Payments
ACH Payments
Learn how to connect direct debit with Alguna
Alguna provides native ACH payment processing:
- Use ACH payments in the native checkout provided by Alguna
- Automatically collect payments for recurring invoices
- Automatically mark invoices as paid and send receipts from Alguna once the payment is collected
Only applies to US based customers
Setup
During onboarding you can opt into using direct ACH payments directly via Alguna.
Requirements
Every customer created in Alguna would need to add:
- Account Holder Name
- Routing Number
- Account Number
Overview
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 elibigle, the verification can take up to 3 business days.
Payment Collection Flows
- When using self-sign up checkout, and customer chooses a bank transfer.
- When collecing 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.
Unsuccessful Payments and Retries
When an automatic payment fails:
- Alguna sends a failed payment notification to the customer.
- Alguna retries the payment based on the agreed failed payment recovery (e.g. 1 / 3 / 5 days).
- Depending on the failed reason, Alguna will send an update payment method request email.
- If none of the above work, Alguna will send a direct link to the unpaid invoice.
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.