ACH Direct Debit is “LIVE”. If you are interested please, contact our Support team.

FastSpring supports ACH Direct Debit payments from US customers with a US bank account using the Automated Clearing House (ACH) payments system operated by NACHA.

Unlike credit cards, there is no real time authorization mechanism therefore it can take 3-5 days to receive notifications if a sale or refund have completed. ACH payments are not guaranteed so chargebacks are possible.

FastSpring checkout has been updated to include:

NACHA compliant language authorization checkbox

We call this an ACH Direct Debit Authorization, where the buyer explicitly agrees to NACHA language and gives consent to FastSpring to collect funds either one time or at regular intervals from the buyer’s bank account. Without accepting these terms we would not be able to initiate payment.

Additional Confirmation Page

The buyer will re-confirm account details after entering initial account information.
(We follow industry standard to securely store the data in our system)

FastSpring Invoices

FastSpring invoices have been updated for ACH and will display both debtor and creditor details, and include the ACH Direct Debit Authorization Consent form.

Invoice

Additional ACH Direct Debit Authorization Form

The ACH Direct Debit Authorization form allows buyers to keep a record of the authorization given to FastSpring to debit their account.

Note: Buyers can cancel an authorization within 7 days, by contacting their bank.

Payment Method Properties

• Customer Checkout Country: US
• Checkout Currency: USD
• Recurring payment: Yes
• Refunds and Disputes: Yes
• Settlement Timing: 3-5 Business days

Payment Flow

Timing: Initiation to Completion/Cancellation

T+0: Payment Initiated

T+1-T+4: Funds debited from customers account, and Order completion

Transaction Failures

ACH Direct Debit transactions can fail any time after the payment is initiated from the FastSpring checkout page. These failures can occur for a number of reasons, such as:

• Insufficient funds
• An invalid account number
• A customer disabling debits from their bank account

Once the payment fails FastSpring will cancel the order and trigger notifications(webhook and email) to the seller.

We will trigger following webhook:

We will trigger following email: