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ACH Enablement

Opus1.io supports Bank Account (ACH – Automated Clearing House) payments, allowing businesses to accept payments directly from customers’ bank accounts.

With ACH payment processing enabled in opus1.io, you can securely collect payments from your customers via their bank accounts. ACH payments are supported and automatically enabled through Opus1 Payments, powered by Stripe.

If you need assistance, please contact finance@opus1.io.

How ACH Payments Work

When a customer pays using ACH:

  • Funds are pulled directly from their bank account
  • Transactions typically take 3–5 business days to settle
  • The invoice will not be marked as paid until settlement is complete

ACH vs Credit Cards

Below is a comparison to help you decide when to use ACH versus credit card payments.

ACH Payments

Pros

  • Lower processing fees compared to credit cards

Cons

  • Settlement time: 3–5 business days
  • Invoices remain processing until funds are fully settled
  • Partial refunds are not supported
  • Cannot be used for self-booking

Important Notes

  • While an ACH payment is pending, customers potentially cannot:
    • Self-cancel lessons
    • Receive make-up credits
  • Payouts to your bank account will also be delayed until settlement is complete

Credit Card Payments

Pros

  • Instant authorization
  • Can be used for self-booking
  • T+2 payouts: payouts accessible 2 days after the transaction
  • Supports partial refunds

Cons

  • Higher processing fees compared to ACH

ACH Re-Authorization After Credit Card Data Migration

Applies to: Any credit card data migration where the business has customers paying via ACH bank account.

This is a Stripe compliance requirement, not an Opus1 policy. Stripe requires ACH payment methods to be re-authorized when data is migrated between accounts.

What Happens

When a credit card data migration is completed, ACH customers will need to re-authorize their bank account mandates in one of two ways:

Mandate Type What It Means How It Happens
Online mandate Customer re-adds their payment method entirely Customer re-enters bank details directly in Opus1.io
Offline mandate Customer's existing authorization is verified/carried over internally by Opus1.io Stripe sends an email to the customer to confirm

Offline mandate scope: We only create an offline mandate for payers on a pending or active subscription. Anyone outside that scope will need the online mandate (re-adding payment method).

Steps for Owners

  1. Before migration: Proactively notify affected ACH customers that they may receive an email from Stripe regarding their payment method. This gets ahead of any confusion or concern when the email arrives.
  2. Set expectations: Let customers know the email is expected and tied to the migration — not a security issue or unrelated request.
  3. What the email looks like:
    stripe-ach-reauth-email-example-redacted

ACH is a cost-effective payment option best suited for situations where immediate access to funds and flexibility (like refunds or self-booking) are not required. Credit cards, while more expensive, provide faster processing and greater flexibility for both businesses and customers.

If you’re unsure which option is best for your business, reach out to finance@opus1.io for guidance.