ClubExpress Websites that use the built-in Payment Processor (see link) have access to allow members to pay by direct bank account transfer (also called an ACH payment).
Enable the Payment Option
To enable the option for members to pay by ACH, an admin must navigate to the Control Panel > Money Tab > Money Options page and check the Enable ACH Direct Debit for US Bank Accounts button below the Credit Card Merchant Account section.
If you do not see this option, you may not yet be using the ClubExpress Payment Processor. Contact ClubExpress support if you would like to get started with ClubExpress Payment Processing.
Pay by ACH
Once enabled, users will see ACH Direct Debit as a payment option any time they make a payment through your website.
To pay with this method, they will simply search for or enter their bank's name, then they will see a Stripe pop-up that will walk them through the process of connecting to their bank. Once connected, they must enter the account holder's name, country, address, city, state, and zip code, then click the Submit Payment button to complete their transaction.
If a bank is not found in our system, they may choose to manually enter a bank account. Once entered this way, they may submit the payment.
Connecting an unlisted bank will take 1-2 business days. During this time, the transaction will be marked as paid, while the payment will appear as pending in the user's profile and reports.
If the payment process fails or is declined for any reason, then the payment will be removed and the transaction will be set back to the unpaid status.
Saving a Payment Method
If ACH is enabled, members will find the Bank Details (Direct Debit) option under the More Member Options section of their member profile. There they can enter and save/update their Bank details for future use, as well as set the Bank account as their default payment to be used for automated transactions such as recurring donations or automatically renewing memberships.
ClubExpress does not store any bank account information. All entered details are encrypted and passed directly to Stripe for storage and processing.