Stripe ACH Payments

What is ACH?
The Automated Clearing House (ACH) network is a system run by the National Automated Clearing House Association (NACHA) which enables fund transfer in the form of direct deposits or other payments.

The Stripe ACH Payments integration will enable your customers to pay you seamlessly. Using ACH, you can directly deduct money from your customer’s bank account after they permit you to do so.

This form of payments is available only for US customers. Only organizations whose business location is United States can use Stripe ACH payments via Zoho Books.

In this page…

Set up the Integration

To set up the Stripe integration:

Stripe Setup Stripe Signin Stripe Login

After signing in to your Stripe account, your organization in Zoho Books will be integrated with your Stripe account. If you want switch to another Stripe account, you can do so by clicking Switch user in the same page.

After you have set up the integration, you’ll have to add your customer’s bank details in Zoho Books to charge them using the Micro Deposit verification in Stripe. There are two ways in which you can do this:

Request Payment Information

If you want to receive payments from your customers, you will need their bank details. In Zoho Books, you can directly send them a form online in which they can enter their payment details.

To request payment information from your customer:

Request Payment Info

After filling and submitting this form, their bank details will get saved in Zoho Books. If you have enabled Plaid before sending this form to the customer, then the bank account of the customer will be chargeable right away. Otherwise, you’ll have to manually verify them using the Micro Deposit verification before charging them.

Customer Bank Details

Alternatively, you can manually add and verify your customer’s bank details in Zoho Books to receive payments from them. The bank details will be verified using the Micro Deposit verification method by Stripe. After the bank account is verified, you can charge your customers for the invoices you create for them.

Add Bank Details

To add the bank details of your customer:

Add Bank Account Add Bank Details

After you have added the customer’s bank details, you’ll have to verify them.

Verify Bank Details

You can verify the bank details of your customer which you have manually added in Zoho Books. Here’s how you can do it:

Verify Bank Account

Insight: The First and Second deposit amounts (in cents) can be found in the customer’s bank statement with the description as AMTS. These values are used to authenticate their bank account. You must ask your customer to check their bank statement and share these amounts with you. You can enter these amounts and complete verifying the account.

Micro Deposit Amounts

After you verify your customer’s bank account, it will be saved and displayed under the Bank Account Details section in the customer’s Contact Details page in Zoho Books. You can charge this account for the invoices you created for them.

Delete Bank Details

You can delete the bank details you have added for your customer. Here’s how:

Warning: Remember that once you delete the bank account, it cannot be restored and you would have to repeat the process of adding and verifying the account again.

Delete Bank Account

Receive Payments

Let us take a look at the different ways in which you can receive payments from your customers using the Stripe integration.

Charge Customer

You can manually charge the saved bank account of your customers for their invoices. Here’s how:

Charge Customer Bank Account Details

Once you charge your customer’s bank, an ACH payment will be initiated. You can find the transaction ID by clicking the Payment Initiated button above the invoice preview.

The payment usually takes up to 5 business days to complete and will automatically get recorded in Zoho Books (within 24 hours following the payment status update in Stripe). You can also set up webhooks to instantly update the status of the invoice payment from Stripe.

After the payment is received, you can view it in Zoho Books. Here’s how:

From here, you can Edit or Delete the payment by hovering over it and clicking the respective icon next to the payment.

Payment Actions

Instant Payments Through Stripe Financial Connections

Stripe Financial Connections allows your customers to instantly verify their bank accounts. If you haven’t enabled Stripe Financial Connections, Stripe will verify bank account using micro deposits.

Notes: If you’re an existing user of Plaid, you can either switch to Stripe Financial Connections, or you can continue using Plaid.

Enable Stripe Financial Connections

To enable Stripe Financial Connections:

Edit Settings Edit Icon Enable Stripe Financial Connections

Verify Using Stripe Financial Connections

Once you’ve enabled Stripe Financial Connections, your customers will be able to verify their bank account while making ACH payments through their Customer Portal. Here’s how:

Make Payment Terms and Conditions Select Bank

Recurring Invoices

If you create recurring invoices for your customers, you can choose to receive payments for the generated invoices by associating your customer’s bank account to the recurring invoice profile. Through this, your customer’s bank account will be charged automatically when they receive a recurring invoice from you.

To associate a bank account for a recurring invoice:

Payment Options Associate Bank Account

You can also remove the associated bank account for a recurring invoice. Here’s how:

Delete Bank Account Delete Recurring Bank Account


By setting up Webhooks, the payment status of an invoice in Zoho Books will instantly get updated when it gets updated in Stripe.

Firstly, you would need to get the endpoint URL from Zoho Books. Here’s how you can get it:

After copying the URL, you can set up the webhook in your Stripe account. Here’s how:

Webhook Endpoint

After you have added the endpoint, the webhook will be active. To change any details of the webhook, click the Update details button in the same page. You can Disable or Delete the webhook from the same page.

Save Webhook

Edit Settings

You can update settings related to the integration such as the modes of payment through which your customer’s can pay you through the Stripe integration (Credit Card, Bank and iDEAL), and also edit your Plaid keys. Here’s how:

Edit Stripe

Changes to Stripe Account

Changes to Plaid

If you have enabled instant authentication, you can change the Public Key, Client ID and Secret Key. To edit these keys:

Edit Settings

Disable Integration

If you choose to delete/disable the integration, you’ll have to first make sure that you delete the bank details of corresponding customers that were added using this integration.

To delete the Stripe integration:

Delete Stripe Integration
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