Update Stripe ACH Handling #699
Description
Churches are receiving emails like this. Investigate and complete the needed updates prior to May 15, 2026
[ChurchName] is currently accepting ACH Direct Debits using the Charges API, a legacy integration that will no longer be supported on May 15, 2026. After this date, if you do not upgrade your integration, any Charges API calls for ACH Direct Debits will fail.
What you need to do
Complete the steps in the [documentation](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Fpayments%2Fach-direct-debit%2Fmigrating-to-new-apis/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/1t_FFiyGqf1tfa0zELyrT22BIbXanRmBuxGH4ws_ppk=432):
Turn on ACH Direct Debits in the Stripe Dashboard
Build your new integration with the [Payment Intents](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Fpayments%2Fach-direct-debit%2Faccept-a-payment%3Fpayment-ui=elements%26api-integration=paymentintents/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/e-jEKqgn8CoZetlIyVpRwCj2cjS5o5SbOKihJ5E4u7Y=432) API
Backfill mandates and migrate previously collected bank account details using the Tokens API
Begin verifying new bank accounts and collecting ACH mandates with [Financial Connections](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Ffinancial-connections%2Fach-direct-debit-payments/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/7ja6XZDkMXsDwv6IRAHHpxPq5fdX95uMSglWMIQk-gI=432) or an alternative verification option
Test the new integration
Additional benefits to upgrading
Upgrading to the Payment Intents API provides access to additional benefits:
Get paid two days earlier with standard settlement (T+4) and faster settlement (T+2)
Lower fraud for ACH payments with [Radar](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Fradar/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/_6oCSeP9CI5S-eFKtLC6MqwGFJQfay127q69K7ygPBU=432) powered by AI and reduce payment failures with [Financial Connections](https://58.email.stripe.com/CL0/https:%2F%2Fstripe.com%2Ffinancial-connections/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/B7otJapM8F81UU-pXgW9o3X_rLTlSBg1JwkM10Adtu4=432)
Reduce ongoing operational costs when you use [Checkout](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Fpayments%2Fcheckout/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/xKR3GDHP0EJyp50JCpjkSKiaxcayjQihyMWQ8XDKHvE=432) or the [Payment Element](https://58.email.stripe.com/CL0/https:%2F%2Fdocs.stripe.com%2Fpayments%2Fpayment-element/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/AFtIUq-iE8ul7bEgeo1UCjzPDweOBA1ie54oudxVwXI=432)
Fee credits if you use Financial Connections
If you choose to use Financial Connections for bank account verification, you can get up to $5,000/month in verification fee credits when you sign up by February 28, 2026. This offer is available to businesses who are migrating ACH Direct Debits from the Charges API to newer APIs. Visit your [Dashboard](https://58.email.stripe.com/CL0/https:%2F%2Fdashboard.stripe.com%2Fb%2Facct_1KGVFRC1ZQgoIq8U%3Fdestination=https%253A%252F%252Fdashboard.stripe.com%252Fsettings%252Ffinancial-connections%253Factive_offer%253Dach_migration_verification_incentive/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/ltEY6bi90ieg-Kt9rjXL6AmTU1vpCestEosloBX1YMQ=432) for offer and terms.
We have compiled answers to common questions on our [FAQ page](https://58.email.stripe.com/CL0/https:%2F%2Fsupport.stripe.com%2Ftopics%2Fdeprecation-of-ach-on-the-charges-api%3Femail_id=em_rhnrwmdxrnrh1qrs9qywt6yarwbnnt/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/V7W2wx5S7DimqLBXzK7iB_e8ywWBMaIZuVtsbVzowQA=432). For dedicated support, please reach out to our [support team](https://58.email.stripe.com/CL0/https:%2F%2Fsupport.stripe.com%2Fcontact%2Femail%3Fquestion=other%26topic=api_integration%26subject=%255BACH%2BDirect%2BDebit%2Bmigration%255D%2BSupport%2BRequest%26email_id=em_rhnrwmdxrnrh1qrs9qywt6yarwbnnt/1/0100019a9d2c0d39-a5b84fca-2206-4b3c-9bd6-8edfa3fc3808-000000/7EoYe_mds9gHKmeFp00q-Js8MEhup595yJ7ZKnEKmEg=432).
— The Stripe team