Qitero Qitero

ACH Direct Debit

Country: United States (US)  |  Payment Rail: bank_network

BankTransfer Market Adoption: 85%

ACH Direct Debit is Nacha's national interbank electronic funds transfer network in the United States, supporting low-cost B2B billing and automated SaaS subscription auto-debit.

🔄 User Payment Flow

  1. Customer selects ACH Direct Debit at merchant checkout
  2. Customer enters bank routing number, account number, and authorizes debit mandate (or logs in via Plaid)
  3. Nacha processes ACH debit transaction within 1-2 business days
  4. Merchant receives confirmed settlement notification

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API submits ACH mandate token to acquiring gateway (Stripe / Adyen / Chase)
  • PSP issues payment token and submits ACH batch file to FedACH
  • PSP receives ACH clearing notification and updates merchant order status