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Chargebee Embedded Payments offers you the flexibility to enable one or more of our supported payment methods to best suit your business model, your country of incorporation, and your customer base. All supported payment methods allow Customer-Initiated Transactions (CIT) and Merchant-Initiated Transactions (MIT), making them suitable for subscription billing and recurring payments. Chargebee Payments currently supports the following payment methods.
You can accept payments using major credit, debit, and prepaid cards. Domestic and International cards will be supported (cross-border fees will be applicable). Learn how Chargebee works with your payment gateway and merchant account to process online payments. By default, all card payments are captured immediately after authorization. Chargebee Embedded Payments supports both 3DS and No 3DS transactions.
ACH (Automated Clearing House) is an electronic bank-to-bank transfer processed through the Automated Clearing House (ACH) Network. It moves money between bank accounts in the US and lets merchants collect funds directly from a customer’s checking or savings account, either for one-time or recurring transactions. Mandates are automatically created and managed during the initial authorization process.
Supported Features
Note:
ACH is not enabled by default. Contact support@chargebee.com to enable ACH payments for your Chargebee Payments account.
Account Validation with GIACT
When a customer initiates ACH direct debit payments, Chargebee Embedded Payments validates the customer’s bank account details in real time using GIACT’s gVERIFY, a real-time bank account verification service that validates the legitimacy of both consumer and business bank account details using the routing number and account number. This reduces the chances of transaction reversals due to incorrect or closed bank account information. Chargebee Payments validates bank account details during the initial transaction and when migrating ACH tokens from other gateways to Chargebee Payments.
Note:
ACH chargebacks cannot be disputed by merchants.
SEPA (Single Euro Payments Area) Direct Debit enables you to accept recurring payments from customers across the Eurozone. Chargebee manages SEPA mandates and ensures they remain linked to the customer’s subscription for Merchant Initiated Transactions (MIT) flows such as renewals.
Supported Features:
Note:
A customer can initiate a chargeback online up to eight weeks after the SEPA purchase with no questions asked. Merchants cannot defend SEPA Chargebacks.
BACS (Bankers’ Automated Clearing Services) Direct Debit is a widely used payment method in the United Kingdom. This payment method allows merchants to collect payments in GBP (Great Britain Pounds) directly from UK bank accounts. A mandate is created when the customer authorizes the first payment and is reused for subsequent MIT flows.
Supported Features:
Note:
BACS Chargebacks cannot be defended by merchants.
Chargebee supports both Customer-Initiated Transactions (CIT) and Merchant-Initiated Transactions (MIT) for all supported payment methods:
CIT (Customer-Initiated Transaction): The customer is present and actively authenticates the payment (e.g., the first card payment with 3DS or setting up a direct debit mandate).
MIT (Merchant-Initiated Transaction): Triggered automatically by Chargebee without customer interaction (e.g., subscription renewals, usage-based charges, retries)
A valid CIT is always required to establish the mandate or authentication needed for subsequent MITs.
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