ACH Guide
Room Choice supports accepting ACH payments—direct from bank accounts—alongside credit cards.
With Room Choice, you can accept ACH payments in nearly the same way as you accept credit card payments, merely providing a verified bank account as the source argument for a charge request. However, accepting bank accounts requires a slightly different initial workflow than accepting credit cards:
- Bank accounts must first be verified.
- Bank accounts must be authorized for your use by the customer.
Once both steps have been taken for a bank account, it can mostly be used just like any other payment source, including for AutoPay charges. The two key differences between using bank accounts and credit cards are:
- ACH payments take up to 5 business days to receive acknowledgment of their success or failure. Because of this, ACH payments may take up to 7 business days to be reflected as succeeded and available. Please note that settlement batches are created after payments are both succeeded and available.
- You can only accept funds in USD and only from U.S. bank accounts. In addition, your account must have a U.S./USD bank account to accept ACH payments.