ACH Direct Debit

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 has been 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 will be unable to initiate payment.

Additional Confirmation Page

The buyer will reconfirm account details after entering initial account information.
(We follow industry standards to store the data in our system securely)

ACH confirmation page screenshot

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

ACH invoice example

Additional ACH Direct Debit Authorization Form

The ACH Direct Debit Authorization form enables buyers to maintain a record of the authorization granted to FastSpring to debit their account.

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

ACH authorization form

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

ACH direct debit payment flow diagram

Timing: Initiation to Completion/Cancellation

T+0: Payment Initiated

T+1-T+4: Funds debited from the customer's account, and Order completion

Transaction Failures

ACH Direct Debit transactions can fail at any time after the payment is initiated from the FastSpring checkout page. These failures can occur for several 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 the following webhook:

Webhook TypeTriggerAdditional Details
order.completedSuccessful ACH paymentFastSpring successfully collects funds and complete the order
order.canceledIncomplete ACH PaymentFastSpring didn't receive any valid response from the bank within 3-5 business days
order.failedFailed ACH PaymentFastSpring receives transaction failure from buyer's bank

We will trigger the following email:

Email TypeTriggerAdditional Details
Order CompletedSuccessful ACH paymentFastSpring successfully collects funds and complete the order
Order CanceledIncomplete ACH PaymentFastSpring didn't receive any valid response from the bank within 3-5 business days
Order FailedFailed ACH PaymentFastSpring receives transaction failure from buyers bank