--- title: ACH Enablement description: Opus1.io supports Bank Account / ACH (Automated Clearing House) payments. Once enabled, businesses can accept payments directly from customers' bank accounts. --- [Skip to content](https://kb.opus1.io/ach-bank-account-enablement#main-content) English Show submenu for translations ![Opus1-3-icon-color-1.png\]](https://kb.opus1.io/hs-fs/hubfs/Opus1-3-icon-color-1.png?height=50&name=Opus1-3-icon-color-1.png) Open main navigation Close main navigation - English Show submenu for translations - Go to opus1.io Go to opus1.io Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [opus1io Knowledge Base](https://kb.opus1.io/?hsLang=en) 2. [Payment Processing](https://kb.opus1.io/payment-processing?hsLang=en) 3. [General](https://kb.opus1.io/payment-processing?hsLang=en#general) # 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](https://kb.opus1.io/hs-fs/hubfs/stripe-ach-reauth-email-example-redacted.png?width=670&height=390&name=stripe-ach-reauth-email-example-redacted.png) --- 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. 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