Lower payment costs with bank debits
Provide a seamless checkout experience, and reduce your payment costs with US bank debits. Choose between Instant Bank Payments and ACH Direct Debit to find the best solution for your business model.
Lower costs
Save up to 70% per transaction in costs compared to cards by letting your customers pay with bank debits.
Reduce risk
Reduce payment risk with Financial Connections, or let Stripe manage risk for you with Instant Bank Payments.
Increase conversion
Reduce drop-off at checkout by enabling your customers to autofill their bank details with Link, Stripe’s accelerated checkout.
Launch faster
Turn on bank debits and dozens of other payment methods with a single integration using the Payment Element, Checkout, or Invoicing.
US bank debit options
Bank payments that work for any business
Instant Bank Payments
- Instant payment confirmation and settlement in 2 business days
- Stripe guarantees payments against all bank-initiated returns
- Bank account verification included in your integration
- Maximizes successful payments using ML models
ACH Direct Debit
- Confirmation and settlement in 4 business days
- Faster settlement in 2 business days for a fee
- Verify bank accounts and balances with Financial Connections
Boost conversion at checkout with Link
Link autofills your customers’ payment information to create an easy and secure checkout experience. Customers only have to save their bank account information once—for all future transactions, Link instantly populates their saved bank details so they can check out faster.
Pick your path
Determine the best way to accept bank payments
|
ACH Direct Debit
|
Instant Bank Payments
|
|
|---|---|---|
|
Pricing
Pricing is per successful charge |
0.8% with a $5.00 cap
$1.50 per verification if you use Financial Connections
|
2.6% + $0.30 |
|
Confirmation time
Default time it takes to verify a successful payment |
4 business days | Instant |
|
Settlement time
Default time it takes for funds to become available in your Stripe account |
4 business days | 2 business days |
|
Payment failure protection
Protection against payment failure due to insufficient bank account funds |
Balance checks available with Financial Connections
|
Guaranteed by Stripe |
|
Autofill saved bank details
Accelerate checkout when customers reuse a bank account saved to Link |
Included with
|
Included |
Creating payment experiences that combine innovation, reduced friction, and cost savings is at the core of what we do. Using Instant Bank Payments to give customers the option to easily pay with their bank accounts puts us in a position to tick all those boxes while providing access to an increasingly popular mode of payment.
Hundreds of thousands of guests on Airbnb are able to pay for their travels using their bank account thanks to Link.
Ready to get started?
Turn on bank debits and dozens of other payment methods with a single integration using the Payment Element, Checkout, or Invoicing.
Accept other bank debits
Stripe supports bank debits around the world, including SEPA Direct Debit in Europe and pre-authorized debits in Canada
Know what you’ll pay
Learn more about our transparent per-transaction pricing.