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ACH is Alguna’s native bank-transfer payment method for US customers: a customer enters their bank details once — at checkout, in the customer portal, or when you request billing information — and Alguna debits recurring and one-off invoices automatically, marks them paid, and sends receipts. Use it for customers who prefer invoices paid by bank rather than card, and to lower processing costs on larger contracts. Payments and their statuses are described in How Alguna works; the card alternative is Stripe.
  • Offer ACH in hosted and embedded checkout
  • Collect recurring invoice payments automatically from the stored bank account
  • Mark invoices as paid and send receipts from Alguna once the payment settles
Available to US-based customers only.

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Setup

During onboarding you can opt into using direct ACH payments directly via Alguna.

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Requirements

Every customer created in Alguna would need to add:
  • Account Holder Name
  • Routing Number
  • Account Number

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Overview

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Verification Flow

  • During the first payment interaction, Alguna runs the banking details verification process.
    • If the customer is RTP/FEDNow eligible, we will return the verification within 5-6 seconds.
    • If the customer is not RTP/FedNow eligible, the verification can take up to 3 business days.

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Payment Collection Flows

  • When using self-sign up checkout, and customer chooses a bank transfer.
  • When collecting billing information from a customer and saving their default payment method.
  • In recurring and one-off payment invoices without any customer input needed if a payment method is saved.

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Unsuccessful Payments and Retries

When an automatic payment fails:
  1. Alguna sends a failed payment notification to the customer.
  2. Alguna retries the payment based on the agreed failed payment recovery (e.g. 1 / 3 / 5 days).
  3. Depending on the failed reason, Alguna will send an update payment method request email.
  4. If none of the above work, Alguna will send a direct link to the unpaid invoice.
The retry and reminder schedule is configured in Collections and Dunning, and can be extended with automations on the payment_failed trigger. Every attempt raises payment.created / payment.updated webhooks; ACH payments move through processing before completed.

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Disconnect

Please send a request to support@alguna.io for any disconnections. This is to make sure that we can safely follow the disconnection process without any impact on your existing data.