Direct Debit Payments in the United States

Modified on: Wed, 22 Sep, 2021 at 8:16 AM


Along with card payments, you can accept payments via direct debit on Chargebee. Direct Debit payments are initiated by the merchant and made directly from a customer's bank account. They are usually processed through a network of financial institutions - the ACH Network in the US, Bacs in the UK and SEPA in Europe, Pre-authorized debits (PADs) in Canada, to name a few.


Direct Debit payments in the United States are processed through the Automated Clearing House (ACH) network, comprised of over ten thousand financial institutions across the US. Chargebee supports ACH payments via Stripe and Authorize.Net.

Consider the following before you choose ACH as your payment solution:

  • Chargebee doesn't support ACH as a payment method option on checkout. However, it does appear on Chargebee's Customer Portal and Payment Method hosted pages.

  • The settlement timeline for ACH payments is much longer compared to card payments. While card payments are settled in two to three days, ACH payments take between five and fifteen days depending on the gateway.

  • Direct Debit via ACH is not supported with v1 (version one) of Chargebee's Hosted Pages.

  • Since the ACH network is comprised of banks only in the US, USD is the only supported currency.

You can choose to configure this for 'All customers or only for customers with Direct debit payment enabled.
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