ACH Payments via Adyen 

This feature is a Private Beta Release. Contact support  to enable ACH via Adyen for your Test and Live site.

ACH is a US-based payment method available for processing recurring or one-time payments. Chargebee allows you to configure ACH (Direct Debit) payments using Adyen. This document helps you to set up ACH payments via Adyen in your Chargebee account.

Integration Options 

The following options are available to integrate your Adyen Gateway with Chargebee

Integration Method Description PCI Requirements
Chargebee Hosted Pages  In this method, the bank information of the customers are collected by Chargebee's checkout and directly passed on to Adyen. Low
(Your PCI compliance requirements are greatly reduced due to usage of Chargebee's checkout)
Chargebee JS Via Raw Bank details
You will collect raw bank account details via your custom checkout and pass it to Chargebee.js.
Chargebee API In this method, collecting bank information will have to be handled at your end and has to be passed on to Chargebee. Chargebee then routes this bank account information to Adyen. Since Bank information will be collected by you directly, you will have to take care of PCI Compliance requirements. High


To accept ACH payments using Chargebee, you must:

  • Be a US-based merchant selling to customers based in the US.
  • Have a USD bank account configured with Chargebee.
  • Have an active Adyen account. Learn more 
  • Add ACH as a payment method for customers. Learn more 
  • Have configured Adyen in your Chargebee site. Learn more 

Configure Direct Debit (ACH) in Chargebee 

Follow these steps to enable and configure Direct Debit (ACH) via Adyen in your Chargebee site:

  1. Login to the Chargebee app.

  2. Go to Settings > Configure Chargebee > Payment Gateways > Adyen.

  3. Enable Direct Debit (ACH/eCheck)

  4. Enter your Company Name, Email, and Phone. The Company Name field value is used in the ACH authorization agreement.

  5. Click Save to save changes.

Smart Routing for Direct Debit(ACH) 

When you activate ACH through Adyen, Direct Debit's smart routing for the USD currency is automatically enabled. If another gateway is set up for USD Direct Debit in smart routing, you can modify it through the smart routing page. To adjust these settings, follow these steps:

  1. Go to Settings > Configure Chargebee > Payment Gateways.

  2. Click Manage Rules under Smart Routing.

  3. Go to the Direct Debit section and click the edit button for USD.

  4. Select the Adyen gateway instance from your Chargebee site with ACH enabled from the Choose a payment gateway drop-down menu.

  5. Click on Save.

Adding Bank Account Details 

To add a customer's bank account on the Chargebee interface, navigate to the Payment Method section on the customer's details page and click Add Bank Account.


This option will be unavailable if the Allow customer to pay via their bank account option is enabled when creating this customer. Learn more 

You are required to enter the following information while creating a bank account:

  • Name on account
  • Account Number
  • Routing number
  • Account Type

You can also use the Create a bank account payment source  API to collect the bank details from the customer.

Test Accounts 

You can use these sample or test accounts for your testing or sandbox configuration.

  • accountNumber: '0000000016', routingNumber: '122105278'
  • accountNumber: '1234567890', routingNumber: '021000021'

Account Validation by GIACT 

Account Verification for this integration is done by GIACT, which is a company that provides identity verification and fraud prevention solutions. Here's a general outline of how the process might work:

  1. Customer Provides Bank Account Information: The customer initiates an ACH payment transaction by providing their bank account details, including routing number and account number, to Adyen.
  2. Adyen Sends Information to GIACT: Adyen sends this bank account information to GIACT for validation.
  3. GIACT Validates the Account: GIACT validates the account by utilizing its database and verification algorithms to check the provided bank account information. This validation process includes checking the account number against routing number databases, verifying that the account is open and active, and identifying any signs of fraud or risk associated with the account.
  4. Results Returned to Adyen: Once GIACT completes the validation process, it returns the results to Adyen. Adyen receives information indicating whether the account is valid and active, and if there are any red flags or risks associated with it.
  5. Adyen Makes Decision: Based on the results provided by GIACT, Adyen then decides on whether to proceed with the ACH payment transaction. If the account is deemed valid and low-risk, Adyen proceeds with processing the payment. If there are any issues or concerns flagged by GIACT, Adyen may choose to decline the transaction or implement additional risk mitigation measures.

For more info check this Account Validation Guide  by Adyen.

GIACT Verification 

Here are some important points regarding enabling GIACT verification:

  1. Get in touch with your Adyen contact and sign the contract addendum that specifies the terms and conditions for the use of account validation through GIACT.
  2. Ask the Adyen Support Team  to enable GIACT verification and zero-value authorization for your Adyen account.
  3. Adyen.js users can't use validation with giact i.e., when Adyen web drop-in script or web components are used.

Card Payments vs ACH Payments: The waiting period 

Unlike card payments, where the authorization and transfer of funds happen immediately, the authorization and transfer process has a waiting period for payments via ACH. This waiting period is typically up to four business days.

Supported Tokens 

This integration supports the following tokens in the mentioned format:

Token Description Formal and Sample
Bank Account Information Account holder name, Account number, Routing number, Account type Format - bank_account[]
Permanent Token Permanent token is the payment method ID available at the gateway. Format

Sample - shopperId/paymentInstrumentId
Chargebee Payment Intent ID This is the Payment Intent ID returned after a successful bank authorization process in Chargebee JS Format - payment_intent[id]

Chargeback Management 

Chargebee supports Chargeback Management with Adyen ACH integration. For ACH, Adyen notifies only about the Chargeback Lost event and not for Chargeback Initiated, hence you can configure the required settings in the Chargeback Management settings in the Chargebee app.

Learn more  about configuring Chargeback Management.

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