Stripe ACH
From WHMCS Documentation
This page describes a Payment Gateway Module in version 7.9 and above.
Supported Features
| Type | One Time | Recurring | Refunds | 3D Secure |
|---|---|---|---|---|
| Token | Yes | Yes | Yes | No |
| Remote Update Card | Remote Delete Card | AddPayMethod API |
|---|---|---|
| No | Yes | No |
Getting Started
To activate and configure the Stripe ACH module for use, follow the steps below.
Plaid and Stripe have partnered in order to offer frictionless money transfers without the need to ever handle an account or routing number. Using Plaid allows you to instantly authenticate a customer's account and automatically generate a Stripe bank account token. The WHMCS Stripe ACH integration requires Plaid. If you do not have a Plaid account, you can sign up at https://dashboard.plaid.com/signup
- Begin by navigating to Setup > Payments > Payment Gateways
- Select the All Payment Gateways tab
- Locate Stripe ACH and click to activate it
- Stripe ACH uses API keys for authentication. Upon activation, you will be asked to enter the Secret and Publishable API Keys.
- These can be found inside the Stripe portal at https://dashboard.stripe.com/account/apikeys
- These can be found inside the Stripe portal at https://dashboard.stripe.com/account/apikeys
- Do not enter a value for the Webhook Secret Key, it will be generated automatically.
- Stripe ACH uses Plaid to validate bank information entered by clients. You will need to enter your Plaid Client ID, Public Key and Secret
- These can be found inside the Plaid portal at https://dashboard.plaid.com/account/keys
- Customise the Display Name as desired
- Customise the Statement Descriptor if desired (maximum of 22 characters)
- Click Save Changes to complete the setup process.
Stripe ACH is now active and ready for use.
Transaction Fees: Stripe returns transaction fees in the default currency of the Stripe account. If you have a different default currency in WHMCS, you must ensure you have configured the currency of your Stripe account in Setup > Payments > Currencies along with a valid exchange rate to allow WHMCS to be able to convert the fee into your other currencies.
Webhook Secret Key
The Stripe SEPA module requires a valid Webhook and Secret Key in order for payments to be recognised and automatically applied to invoices.
Should the Secret Key for the Webhook be modified at Stripe, this must be updated within the WHMCS Stripe SEPA module configuration.
Payment Workflow
- Automated recurring and on-demand billing is supported.
- ACH Payments can take up to 5 days to process. The invoice will be placed in Payment Pending until the payment has cleared.
- When making a payment, customers are able to select to use a previously stored bank account or enter a new one.
- Customers never leave your WHMCS installation during checkout or adding/removing a new bank account.
- Personal bank information is submitted directly to Stripe/Plaid and is never stored in your local WHMCS installation.
- The Stripe API is used for refunds and obtaining transaction information.