Adyen - ACH Direct Debit

Configure ACH Direct Debit via Adyen as a payment method in Gr4vy.

Adyen is a global payment technology company founded in 2006 in Amsterdam, Netherlands. The company provides a single platform for accepting payments across online, mobile, and in-store channels for major enterprises worldwide including Uber, Spotify, and Microsoft.

ACH Direct Debit is a bank payment method in the United States. The buyer enters their bank account and routing numbers on the Adyen Drop-in component, and the funds are debited from their account. Adyen verifies and processes the debit, and the payment method can be stored for recurring debits.

This connector renders the Adyen Drop-in for ACH Direct Debit. To submit bank account details directly through the API instead, see Bank (ACH, SEPA, BACS) via Adyen.

Setup

Please follow the common Adyen instructions to get set up with ACH Direct Debit.

Next, make sure to enable ACH Direct Debit as a payment method on your configured account.

Supported countries

Supported currencies

Capabilities

Integration

For ACH Direct Debit, the default integration for Adyen is through a redirect to a hosted payments page that renders the Adyen Drop-in in a popup. The buyer enters their bank account and routing numbers on the Drop-in to authorize the debit.

Redirect integration

Start by creating a new transaction with the following required fields.

C#

var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = "capture",
        PaymentMethod =
            TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
                new RedirectPaymentMethodCreate()
                {
                    Method = "ach",
                    Country = "US",
                    Currency = "USD",
                    RedirectUrl = "https://example.com/callback",
                }
            ),
    }
);

After the transaction is created, the API response includes payment_method.approval_url and the buyer_approval_pending status.

{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.sandbox.spider.gr4vy.app/connectors/adyen/apm.html?token=..."
  },
  "method": "ach"
}

Open the approval_url in a popup so the buyer can enter their bank account and routing numbers on the Adyen Drop-in and authorize the debit. After the buyer completes the form they are redirected to the redirect_url you provided when creating the transaction. Do not rely solely on the redirect - either poll the transaction or (recommended) rely on webhooks to detect the final status (for example capture_succeeded or failure states).

Direct integration

Adyen provides web, Android and iOS SDKs for a direct integration. For these flows you should indicate the platform by setting an appropriate integration_client when creating the transaction, and then build a client-side integration that uses the POST /transactions/:transaction_id/session API to initialize the Adyen SDK.

To start, create a new transaction with the appropriate integration_client.

C#

var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "USD",
    Country = "US",
    Intent = "capture",
    IntegrationClient = "ios",
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "ach",
          Country = "US",
          Currency = "USD",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);

For mobile, set integration_client to ios or android and use your app deep link for redirect_url (for example, yourapp://).

After the transaction is created, the API response includes a session_token which can be used to get the session data for that transaction.

POST /transactions/:transaction_id/session?token=:session_token

This session data provides the sessionId and sessionData required to load the Adyen SDK. Refer to the common Adyen integration guidance for a worked example of initializing the Adyen SDK with this session data.

Recurring payments

ACH Direct Debit via Adyen supports storing the bank account for later reuse. When you store the payment method, Gr4vy registers a recurring contract with Adyen so the stored bank account can be debited for subsequent transactions. See Recurring payments for an overview of storing and reusing payment methods.

Testing

Adyen has instructions on how to test ACH Direct Debit.