Payment integration
Invoice Crowd's ACH and direct debit options let customers pay invoices straight from a bank account, through Stripe-hosted US bank payment on eligible one-time USD invoices or through GoCardless direct debit. Invoice Crowd records the payment after provider confirmation.
From setup to paid
Connection, customer checkout and final settlement are separate stages. Read the status and limitations before showing the method on a live invoice.
Each business profile has its own account and live or test mode.
Connect Stripe or GoCardless to the selected business. Stripe ACH uses the existing Stripe account and a per-invoice Allow US bank payment setting; Stripe hosts bank selection, verification and mandate acceptance.
Direct-debit schemes, currencies, collection windows and eligibility vary by provider and merchant location.
The payment option only shows when it can be used for that invoice.
For an eligible one-time USD invoice, enabling Stripe ACH offers card and US bank payment in the same hosted Checkout Session. GoCardless uses its separate billing-request and mandate flow where supported.
GoCardless supports the documented recurring direct-debit path with provider-bound mandates and settlement verification. The Stripe ACH invoice setting currently applies to one-time USD Checkout; Stripe card subscriptions remain a separate flow.
An invoice is marked paid only when the provider confirms it.
For Stripe ACH, only an authenticated, account-scoped payment_intent.succeeded webhook may settle the invoice. GoCardless likewise requires the exact customer, mandate, allocation, amount, currency and confirmed provider state.
Stripe ACH requires an eligible Stripe merchant, customer and one-time USD invoice with the invoice setting enabled. Bank selection, verification and mandate acceptance stay inside hosted Stripe Checkout.
Integration facts
The fields below describe the current Invoice Crowd path; the provider remains the source for merchant eligibility, fees and regional availability.
Stripe-hosted US bank payments and GoCardless direct debit are active within their documented eligibility boundaries.
Eligible one-time USD invoices can offer Stripe card plus US bank payment in hosted Checkout; GoCardless provides a separate billing-request and mandate flow.
GoCardless supports the documented recurring direct-debit path. The Stripe ACH invoice setting is currently limited to one-time USD Checkout.
Connect an eligible Stripe or GoCardless merchant account. Stripe ACH is enabled per invoice and keeps bank selection, mandate acceptance and verification inside Stripe Checkout.
A signed provider event must match the merchant account, invoice allocation, amount, currency and successful provider state before settlement.
Direct-debit schemes, currencies, collection windows and eligibility vary by provider and merchant location.
Stripe ACH is currently limited to eligible one-time USD invoice checkout. Bank details are handled by Stripe rather than collected or stored by Invoice Crowd.
Amount, currency and allocation are derived from the current server-side invoice state.
If a confirmed Stripe or GoCardless payment can't be applied to its invoice, for example because the balance changed after checkout started, Invoice Crowd holds it in Payments Needing Review. You then apply it to the invoice, keep it as customer credit, or refund it.
Choose Refund on the invoice in Invoice Crowd and the money goes back through Stripe or GoCardless, whichever took the payment. The refund is booked only after that provider confirms it.
Gateway fees, exchange costs and settlement timing come from the merchant agreement, not the Invoice Crowd subscription.
Configure another active provider when this gateway does not support the merchant, customer, currency or collection model.
Questions
Yes. Eligible one-time USD invoices can offer Stripe-hosted US bank payment when Allow US bank payment is enabled, and GoCardless remains available for supported direct-debit mandate flows. Provider eligibility still applies.
Connect an eligible Stripe or GoCardless account to the selected business. For Stripe ACH, use a one-time USD invoice and enable Allow US bank payment on that invoice. Stripe or GoCardless controls merchant eligibility, fees, regional availability and settlement timing. Stripe and GoCardless need a paid Invoice Crowd plan.
Stripe ACH reuses the ordinary hardened Stripe Checkout route: an eligible invoice offers card and US bank payment, while Stripe hosts bank selection, mandate acceptance and verification. GoCardless uses its separate billing-request and mandate flow.
GoCardless supports the documented recurring direct-debit path with provider-bound mandates and settlement verification. The Stripe ACH invoice setting currently applies to one-time USD Checkout, not Stripe ACH subscriptions.
A browser return never settles the invoice. Stripe requires an authenticated, account-scoped payment_intent.succeeded webhook that matches the exact invoice, allocation, amount and currency; GoCardless requires equivalent provider-confirmed evidence. A confirmed payment that can't be applied to its invoice is held in Payments Needing Review until you decide what to do with it.
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.
Yes. Choose Refund on the invoice and Invoice Crowd sends the refund through Stripe or GoCardless, whichever took the payment, and books it only after that provider confirms it. This works for online payments made on the invoice page, not for recurring, subscription or payment-link invoices.
Start with sandbox or test mode where the provider offers it, verify the exact currency and payment result, then plan production activation.
