Please note: This feature is currently only available to trusted testers.


Vendasta offers a streamlined solution for billing clients through ACH direct debit payments facilitated by Stripe. This functionality allows you to seamlessly create invoices and facilitate payments using the Automated Clearing House (ACH) network.

Note: For now, you cannot auto-charge a client’s bank account. You can send them the invoice to enter their bank details and make a payment.

Prerequisites for ACH Payments

Before leveraging ACH payments with Vendasta, ensure the following:

  1. Vendasta Payments are set up.
  2. Your business is based in the US, serving clients also located in the US.

Compliance and Mandates

Compliance with regulations, including those set forth by the National Automated Clearing House Association (NACHA) and federal legislation, mandates that an Authorization Agreement be established with clients before charging their bank accounts. Vendasta Payments, in partnership with Stripe, facilitates this process by presenting clients with an authorization agreement upon initiating ACH payments. This agreement grants permission for future automatic charges, but it's advisable to obtain explicit consent from clients before debiting their accounts.

Sample Agreement:

ACH Agreement:
Thank you for signing up for direct debits from <Partner>. You have authorized <Partner>, and, if applicable, its affiliated entities to debit the bank account specified above for any amount owed for charges arising from your use of <Partner’s> services and/or purchase of products from <Partner>, pursuant to <Partner’s> website and terms, until this authorization is revoked.

You have authorized <Partner>, and, if applicable, its affiliated entities to debit your bank account periodically if and when you use <Partner’s> services or purchase more than one of <Partner’s> products periodically pursuant to <Partner’s> terms. Payments that fall outside of the periodic debits authorized above will only be debited after your authorization is obtained.

You may amend or cancel this authorization at any time by providing notice to <Partner> with 30 (thirty) days' notice.

View these terms on

Fees Associated with ACH Payments

Transactions processed via ACH entail the following fees:

  1. 1% of the invoice amount.
  2. $1 Instant verification fee.
  3. $4.00 per failed ACH direct debit payment.
  4. $15.00 per disputed ACH direct debit payment.

Requesting ACH Payments in an Invoice

  1. Create an invoice (one-time or recurring invoice) for a client account and select “Email the invoice to the customer to pay” under collection method. Under the payment options, select “Debit or Credit Cards” and or “ACH direct debit transfer”. You can select one or both options depending on how you would like your client to pay.
  2. Send the invoice to your client to pay.Screenshot 2024-04-30 at 10.43.16 AM-20240430-164322.png
  3. Depending on the options you’ve selected, your client will see one or multiple payment options. With ACH option, they will see "US bank Account". 

    1. Your client will be prompted to login and accept the mandate agreement which can give you authorization to auto-charge future invoices.

Requesting ACH Payments in Subscription Billing

  1. Select the client account and go to Subscriptions > Billing Settings to enable subscription billing if you haven't already done so. Refer to this article on subscription billing.
  2. Select the collection method “Email the invoice to the customer to pay” and under payment options, select “Debit or Credit Cards” and or “ACH direct debit transfer”. You can select one or both options depending on how you would like your client to pay.Screenshot 2024-04-30 at 3.53.08 PM-20240430-215313.png
  3. Save the changes.

  4. All invoices generated from subscription billing will be set to the configured payment options by default.

  5. The configured payment options will also be the default for new manual invoices you create on the account.

ACH Workflow

ACH payments take up to 5 days to be processed and paid out into your account. Unlike card payments that are instant, ACH payments can be a little hard to track. It is therefore important to know the workflow for this type of payment.


  • Send an invoice to your client to make payment using ACH.
  • Your client would enter their bank account details and agree to the Authorization agreement that gives you a mandate for future payments.
  • Payment is made.
  • When an ACH payment is made, a payment entry is created in pending status since the payment takes some time to be fully processed. Go to Billing>payments to see the payment entry.
  • ACH payments may take up to 5 working days. When the funds are received, the payment is marked as successful, if they are not, it marks the payment as failed.
  • The invoice status is also updated.

To learn in detail about how the workflow looks in Stripe, check out their ACH guide.

Please Note: The Vendasta name appears briefly in the SMB payment flow (see sample below). We are working with Stripe to remove any mention of Vendasta in the flow.



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