November 17, 2017

What We Learned Accepting ACH Payments with Stripe

When we started out, we expected integrating ACH (automated clearing house, or electronic funds transfer) payments into a web app to be relatively straightforward. Stripe provides great documentation to guide you through the process. It seems easy enough to request a user's bank info, wait for a couple of micro-deposits, confirm those deposits, and then issue the charge. However, there are many variables throughout the process and without good up-front planning, things could come back to bite you. Our experience led us to understand that the two most important aspects of a Stripe ACH integration are setting expectations with users and handling the variety of events that Stripe sends back to the app.

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