Ach Payments Integration Not Working
ACH payment integrations fail in 2026 most often at one of three steps: account verification (micro-deposits not confirmed or instant verification token expired), the first payment attempt (wrong bank account format, missing required fields), or webhook handling (receiving ACH status updates asynchronously and not building the polling fallback).
Why This Happens
- Configuration gaps between tools or services
- Missing integrations or manual workarounds that weren't designed to scale
- Changes in vendor behavior, pricing, or API that weren't communicated clearly
What To Check First
- Verify your current setup matches the vendor's latest documentation
- Look for recent changes — platform updates, new team members, configuration drift
- Check if the problem is consistent or intermittent (different root causes, different fixes)
When To Escalate
- The problem is costing you money or customers per week
- You've spent more than 2 hours on it without progress
- A vendor quoted you more than $500 and you're not sure if it's necessary
Dealing with this right now?
If you are building on Stripe ACH: confirm that the SetupIntent was confirmed before attempting the payment, that the bank account is verified (not just attached), and that your webhook endpoint handles both payment_intent.succeeded and payment_intent.payment_failed events. ACH payments can take 3–5 days to settle — you will receive the success or failure webhook days after the charge, not immediately.
