Let buyers pay by bank account

Buyers can pay from their bank account instead of a card. The money goes to your Stripe account like a card payment, and Stripe's fee for a bank payment is usually lower than a card's. See Fees.

Before you start

• Only the org's owner can turn this on.
• Stripe must be your processor. See Connect Stripe.
• In your Stripe dashboard, turn on ACH Direct Debit under Settings → Payment methods. Ovante can't turn it on for you.

Turn on bank payments for events

1. 1
   Open Settings → Finances.
2. 2
   Under Bank payments, turn on Let buyers pay by bank account.
3. 3
   Select Save.

Turn on bank payments for membership dues

Membership dues have their own switch, so you can take bank payments for one and not the other.

1. 1
   Open Memberships → Tiers and perks.
2. 2
   Under Program, turn on Let members pay by bank account. It saves right away.

If a row under either switch says Turn on ACH Direct Debit in Stripe, Stripe hasn't turned it on yet. Select Dashboard to finish it there. Until then, buyers only see cards.

What buyers see

At checkout, Pay with lists Card and Bank account. A buyer who picks the bank:

1. 1
   Selects Connect bank and signs in to their bank in Stripe's window.
2. 2
   Sees the account they picked, and the authorization they give by paying.
3. 3
   Selects Confirm & pay.

Their tickets arrive right away, like a card order. When someone joins as a member, Card and Bank account sit above the payment form, and they become a member once the money arrives.

How long it takes

A bank payment takes up to 4 business days to arrive. Until then, the order's payment reads Processing, and you can't refund it yet.

When a bank refuses a payment

Sometimes a bank refuses the payment after a few days, for example if the account doesn't have enough money. The buyer gets an email saying so, with what they still owe. The order then waits for payment, like an order paid by check, and the bell lists it under Orders waiting for payment. The tickets stay valid. Once the buyer pays you another way, mark the order as paid.

For membership dues, the person doesn't become a member. They get the Bank payment failed email, which you can edit with your other member emails, with a button to join again.

When a bank account isn't offered

• The order has a ticket that needs approval. A bank payment can't be held until you approve it.
• Your membership program approves new members. The card is saved and charged when you approve.
• The buyer is using the checkout button on your own website.
• The buyer chose to cover the card fee. Picking Bank account removes it, since there's no card fee.