- Short answer
- Yes, for B2B orders only: an eligible US store on Shopify Payments (over 100 fulfilled orders), a US customer bank account, USD.
- Where buyers see it
- B2B checkout only, buyers with US bank accounts; not Shopify POS; the pages we read don't describe a regular checkout
- Before you turn it on
- US store on Shopify Payments selling in USD, more than 100 fulfilled orders, trial over, identity verified
- Plans
- Basic, Grow, Advanced and Plus; not Starter or Retail
- Saved bank accounts
- Only the buyer can save one; you debit it manually or with a Shopify Flow action
- Costs and disputes
- $4 per failed debit; disputes up to 60 days, sometimes longer, no appeal; $15 chargeback fee; no processing rate found
- Processing time
- Up to 4 business days, with the order Pending
Who can turn on ACH Direct Debit?
Shopify lists ACH Direct Debit as a Shopify Payments method for B2B orders only, not for Shopify POS. The ACH, payment-method and B2B help pages we read on October 20, 2026 don't describe it at a regular checkout; for those buyers, see bank transfers on Shopify.
All five requirements must hold:
- Store in the United States, accepting USD
- More than 100 fulfilled orders
- Trial over, on an active Shopify plan
- Identity verification for Shopify Payments completed
- Customers paying from a US bank account, in USD
B2B, ACH included, runs on Basic, Grow, Advanced and Plus, not Starter or Retail; the first three since April 2, 2026, at no additional cost (B2B without Plus).
- Settings
- Payments
- Shopify Payments
- Manage
- More actions
- Manage payment methods
- Local payment methods
- ⋯ next to ACH Direct Debit
- Enable
What does ACH cost you, and what can go wrong?
The Shopify ACH, payouts, rates and pricing pages we read on October 20, 2026 publish no ACH processing rate. They do publish:
- Processing: up to 4 business days, the order Pending, then your payout schedule.
- A failed debit: a $4 USD fee.
- Disputes: up to 60 calendar days, sometimes longer; final, no appeal; a valid one costs a $15 chargeback fee.
- Refunds: within 180 days; the processing fee isn't returned.
How do you debit a B2B customer's saved bank account?
Nothing is debited automatically when payment terms expire. Debit the account from your admin — on a draft order, staff need the Charge vaulted bank account permission — or use the Shopify Flow action, which needs you and your customer both in the United States.
Only the B2B customer can vault a bank account, with a checkbox at checkout or from their customer account; you can't vault one for them, and they must authorize your debits. Vaulted cards follow the same route (charging a vaulted card).
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