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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.	High
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

Prerequisites

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:

Login to the Chargebee app.
Go to Settings > Configure Chargebee > Payment Gateways > Adyen.
Enable Direct Debit (ACH/eCheck)
Enter your Company Name, Email, and Phone. The Company Name field value is used in the ACH authorization agreement.
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:

Go to Settings > Configure Chargebee > Payment Gateways.
Click Manage Rules under Smart Routing.
Go to the Direct Debit section and click the edit button for USD.
Select the Adyen gateway instance from your Chargebee site with ACH enabled from the Choose a payment gateway drop-down menu.
Click on Save.

Note

If there are three consecutive payment failures using the direct debit payment method, it will be marked as invalid in Chargebee. In such cases, you should remove the existing payment method and ask your customer to add a new one.

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.

Information

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:

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.
Adyen Sends Information to GIACT: Adyen sends this bank account information to GIACT for validation.
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.
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.
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:

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.
Ask the Adyen Support Team to enable GIACT verification and zero-value authorization for your Adyen account.
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 payment_method[reference_id] 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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