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ACH payments
ACH payments process US bank transfers through Stripe with lower fees than card payments. Clients enter their bank account details directly on the invoice, and the transfer settles in 3-5 business days. ACH works on USD invoices when Stripe is connected.
How ACH payments work
When ACH is enabled and the invoice currency is set to USD, clients see an ACH payment option alongside card payments on the invoice. The client enters their US bank account and routing number, authorises the transfer, and the payment initiates through Stripe's ACH processing. The funds settle in your Stripe account within 3-5 business days.
ACH fees vs card fees
ACH processing fees are typically lower than credit or debit card fees, which makes ACH a cost-effective option for higher-value invoices. The exact fee structure depends on your Stripe account's pricing, but ACH generally charges a flat percentage with a cap per transaction, compared to the per-transaction percentage plus fixed fee that card payments carry.
Currency and availability
ACH applies to USD invoices only, since ACH is a US banking network. Invoices in other currencies won't show the ACH payment option, even if Stripe is connected. For non-USD invoices, card payments (via Stripe), PayPal, Square, and bank transfer remain the active payment methods.
ACH offers a lower-cost payment path for USD invoices, which benefits both sides: reduced processing fees for your business and a familiar bank payment option for US-based clients.
