Verify ACH Account

Refer to the following steps for each Credit Card Processor to verify an ACH account.  It is important to note that ACH verification can take 1-2 business days.

Precondition: 

The Bank Verification Email must be enabled in Menu > Setup > Manage Templates.

CardConnect

CardConnect recommends using a customer facing web form, integrated with CardSecure to capture and tokenize bank account and routing data. Be sure to include separate fields for the routing number and account number.

1. Send these fields in a CardSecure tokenization request as follows: 

"account" : "<routing number>/<account number>"

Example:

"account" : "123456789/1234123412341234"

2. CardSecure returns a token representing the ACH account information.

3. Next, make an authorization request using the CardPoint Gateway API. The following data points are required: 

• Account Number
• Routing Number
• Payment Origin
• Account Type 

Stripe

Verify customer banking information using Plaid or by manual verification. 

Plaid

Instantly collect data via Plaid. Read more about collecting and verifying customer bank information via Plaid.

Note: Plaid account is required and additional costs may be incurred.

Manual Verification using Stripe.js

Manually verify through Stripe.js using microdeposits, which offers a delayed verification. Use this method when a Plaid integration is not desired or the customer's bank is not supported by Plaid. 

1. Access Stripe.js to generate a token representing the customer's banking information. 
2. Attach the token to the customer account in Stripe. 
3. Stripe automatically routes two microdeposits for verification. This process can take 1-2 business days. 
4. Once the deposits are received, verify the deposit amounts with the customer.
5. Enter the two micro deposit amounts in Stripe to verify the account. Review Stripe's ACH Guide to manually collecting and verifying microdeposits for more information. 
6. Contact Stripe Support if you need additional assistance.