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How to integrate Stripe ACH Manual with your form?

How to integrate Stripe ACH Manual with your form?

You can integrate your forms with Stripe ACH without Plaid version. You don't need to have a Plaid account to get payments by using manual Stripe ACH method.

What can you do with JotForm's Stripe ACH Manual Integration?

  • - Sell online products
  1. - Sell merchandise
  2. - Collect donations online
  3. - Let users make a custom payment
  4. - Sell Subscriptions

A) Create Form
#1- Add Stripe ACH Manual into your form.
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#2- Stripe Authentication with OAuth

#3- After authentication, you can continue and create your own products etc.

B) Creating Customer

#1- With Stripe, you can accept ACH payments but there are some differences between accepting credit card payments and ACH payments. Stripe ACH requires verified bank account of the customer so first step is to create a customer with his bank account (routing number, bank account number etc) and then verification process begins.


#2.1- JotForm sends an email which consists of customer information and instruction about how to verify customer account (to the submitter).

We get customer email address here:

This is the verification email we send:

Form owner will also get an email about the pending submissions:

#2.2- Stripe sends two small deposits to customer's unverified bank account and waits for the verification.

#2.3- Submission stays in the Submissions page of the form owner as PENDING until customer account status is verified and payment is captured.

C) Verification and Payment

Stripe sends two micro-deposits in 1-2 days according to their documentation and waits for the verification. Customer (form submitter) should verify his account via JotForm because JotForm stores other required information about his payment (amount, product description etc). As you remember that we sent verification form URL to the customer before.

#1- Customer goes to verification form after he gets micro-deposits.

Verification part of the form:
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#2.1- If customer enters correct deposits and submits the form, JotForm verifies customer bank account and charges the verified account. 
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#2.2- We inform customer about the process after he submits the verification form. 

If customer enters wrong deposits, JotForm shows the error page with the error message that Stripe returns:
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#3- Submission will be updated as SUCCEEDED after payment.

If you need any other details or if you have any feedback, please post them in the comments below.

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