{"title":"Ach direct debit","slug":"ach-direct-debit","url":"https://support.storeconnect.com/articles/ach-direct-debit","url_markdown":"https://support.storeconnect.com/articles/ach-direct-debit.md","subtitle":null,"summary":"ACH direct debit pulls funds from a customer\u0026#39;s US bank account at checkout, offering lower fees than cards but slower 1-3 day settlement.","type":"Help_Documentation","video_url":"","keywords":"ach direct debit, automated clearing house, bank account payment, us bank transfer, ach payment method, direct debit checkout, bank debit, low fee payments, b2b payments, electronic bank transfer, routing number, account number payment","last_modified":"2026-08-21T07:12:35+0000","body_markdown":"ACH direct debit is a payment method where the store directly pulls funds from a customer’s bank account using the Automated Clearing House (ACH) network. ACH is a U.S. financial network for electronic bank-to-bank payments.\n\nACH can be useful for high-ticket items where card fees would be costly and for B2B payments (invoicing, account-based purchases).\n\n## How it works\n\n-   Customer enters their bank account info (routing + account number) at checkout.\n\n-   The store, via a payment provider, gets authorization to debit the account.\n\n-   The store submits the debit through the ACH network.\n\n-   Funds are typically received in 1–3 business days.\n\n\n## Benefits\n\n-   **Lower fees** than credit card transactions.\n\n-   **Reduced chargeback risks** (fewer disputes compared to cards).\n\n\n## Drawbacks\n\n-   **Slower processing** than cards or instant payment methods.\n\n-   **Insufficient funds** or **bank rejections** can cause delays or failed payments."}