Chargebee + Stripe ACH Credit Transfer.

Summary

Reconciling offline payments with just the transaction information requires a lot of manual effort. Chargebee+ Stripe's ACH credit transfer feature is going to make that process easier by creating a virtual bank account and automatically reconciling offline payments.

• Chargebee automatically generates a virtual bank account for each customer via Stripe.
• If a customer already has an online payment method on file, a virtual bank account will not be created automatically. However, you can still create one using the API or bulk operations. This behavior applies to all customers added or updated after November 21, 2025.
• The virtual bank account details are included in the invoice (payment instructions) sent to the customer.
• Customers can transfer funds directly to this virtual bank account.
• Chargebee receives the payment information from Stripe and automatically reconciles the invoices by marking unpaid invoices as paid.

Behaviour

If your customers pay for multiple due invoices in bulk, then Chargebee is going to distribute the payments across invoices based on their date of creation (Old to New). The old invoice takes precedence over the recently generated invoice.

If your customer transfers excess payments to the virtual bank account, then Chargebee will issue excess credits for the customer and use it on the upcoming invoices.

If the customer is going to partially pay for invoices, then the invoice status is going to remain in Due status until the remaining amount has been deposited in the virtual bank account.

If you have any further questions, contact us at support@chargebee.com