Enter only the fields the provider requires
A configured GoCardless account and eligible scheme/currency. The old Stripe bank-account setup path is not offered.
- Selected business profile
- Explicit live or test mode
- Write-only secret editing
Payment integration
Connect ACH & Direct Debit without treating checkout as proof
Understand the supported direct-debit path in Invoice Crowd: GoCardless mandates are active, while legacy public Stripe ACH routes remain retired.
- Status: GoCardless path active
- Verified against application docs
- Provider terms still apply
Last updated:
Configuration to settlement
How ACH & Direct Debit fits the Invoice Crowd payment boundary
Connection, customer checkout and final settlement are separate stages. Read the status and limitations before showing the method on a live invoice.
Connect the merchant account
Credentials and mode stay tied to the selected business.
Confirm provider eligibility before rollout
Direct-debit schemes, currencies, collection windows and eligibility vary by provider and merchant location.
- Merchant country and account
- Invoice and settlement currency
- Provider fees and review
Understand the customer path
Availability is evaluated before a customer enters checkout.
Use the supported one-time flow
Use the GoCardless billing-request and mandate flow where the provider, country, currency and merchant account support it.
- Server-owned amount
- Bound invoice allocation
- Provider-controlled payment step
Read the recurring-payment boundary separately
GoCardless supports the active recurring direct-debit path with provider-bound mandates and settlement verification.
- One-time and recurring differ
- Existing bindings may be compatibility-only
- Retired creators stay unavailable
Verify before recording money
The final local state follows provider evidence, not the browser.
Match the commercial record exactly
Customer and mandate binding, authenticated payment read, allocation, amount, currency and confirmed provider state.
- Merchant account and mode
- Allocation, amount and currency
- Successful provider state
Keep the current limitation visible
This page is not a promise that US ACH is available for every account. Scheme support depends on GoCardless and the merchant's region; legacy Stripe ACH is retired.
- No inferred settlement
- Pending stays pending
- Mismatch fails closed
Integration facts
What to verify before using ACH & Direct Debit
The fields below describe the current Invoice Crowd path; the provider remains the source for merchant eligibility, fees and regional availability.
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Availability
GoCardless path active
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One-time payment
Use the GoCardless billing-request and mandate flow where the provider, country, currency and merchant account support it.
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Recurring payments
GoCardless supports the active recurring direct-debit path with provider-bound mandates and settlement verification.
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Merchant setup
A configured GoCardless account and eligible scheme/currency. The old Stripe bank-account setup path is not offered.
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Settlement evidence
Customer and mandate binding, authenticated payment read, allocation, amount, currency and confirmed provider state.
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Regional fit
Direct-debit schemes, currencies, collection windows and eligibility vary by provider and merchant location.
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Current boundary
This page is not a promise that US ACH is available for every account. Scheme support depends on GoCardless and the merchant's region; legacy Stripe ACH is retired.
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Invoice data
Amount, currency and allocation are derived from the current server-side invoice state.
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Customer result
A provider screen or browser return is a locator, not sufficient settlement proof.
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Retries
Durable attempts and stable provider identities prevent an uncertain response from becoming an unbounded duplicate payment.
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Provider fees
Gateway fees, exchange costs and settlement timing come from the merchant agreement, not the Invoice Crowd subscription.
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Alternative gateways
Configure another active provider when this gateway does not support the merchant, customer, currency or collection model.
Questions
ACH & Direct Debit and Invoice Crowd, answered
Is the ACH & Direct Debit integration currently available in Invoice Crowd?
Current status: GoCardless path active. Use the GoCardless billing-request and mandate flow where the provider, country, currency and merchant account support it.
What do I need to connect ACH & Direct Debit?
A configured GoCardless account and eligible scheme/currency. The old Stripe bank-account setup path is not offered. Direct-debit schemes, currencies, collection windows and eligibility vary by provider and merchant location.
How does ACH & Direct Debit one-time checkout work?
Use the GoCardless billing-request and mandate flow where the provider, country, currency and merchant account support it.
Does ACH & Direct Debit support recurring payments in Invoice Crowd?
GoCardless supports the active recurring direct-debit path with provider-bound mandates and settlement verification.
How does Invoice Crowd decide that a payment succeeded?
Customer and mandate binding, authenticated payment read, allocation, amount, currency and confirmed provider state. A browser return or posted status alone cannot settle the invoice.
Are gateway fees included in Invoice Crowd pricing?
No. Provider transaction fees, foreign-exchange costs, settlement timing and account terms are controlled by the gateway and merchant agreement. Check the provider before activation.
Test ACH & Direct Debit with a representative invoice
Start with sandbox or test mode where the provider offers it, verify the exact currency and payment result, then plan production activation.
- No browser-only settlement
- Provider terms apply
- Current status is visible