Before you can start collecting ACH payments, you will first need to verify your client's bank account using their bank's routing number, their account name, and account number.
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This is to ensure that their bank details are valid hence, avoiding errors during the collection process.

Note: ACH Verification only applies to users based in the United States.

​Verification can happen in two ways: 

​The verification process will depend on how the details are entered in Ignition:

Let's break these down further below:

On the Payment Details section of the acceptance page, select US bank account and enter your online banking details. Ignition has partnered with Stripe Financial Connections, which provides a secure front-end to your online banking system. Once logged in, clients can select the bank account they wish to use for any immediate or future transactions.

Clients will be taken to a widget where they can choose their bank and login.

Once they've successfully logged in and chosen their bank account, they'll be redirected to a confirmation page.

Advise your client to press Continue.

Then, advise your client to ensure they click Save payment method.

Once they've clicked Save payment method, they'll be redirected back to the acceptance page displaying and selecting their bank account as their payment method.

At this point, their account is now verified.

Alternatively, a bank account can be verified manually via micro-deposits.

Step 1 - Select Enter bank details manually instead (take 1-2 business days)

Step 2 - Enter Routing number, Account number and Confirm account number.

Incorrect details being entered is a very common occurrence and reason why micro-deposits may not show up.

Ensure that your client has entered the Routing and Account Number correctly!

When the client's bank account details are entered into the system, our payment provider (Stripe) checks if all the information provided is valid. Stripe automatically does one of the following to verify the customer’s bank account:

An email will be sent directly to your client and any email recipients that receive payment notifications along with the 2 micro deposits.

This email will contain instructions on how to complete the verification process with the link to the form where your client can enter and confirm the 2 micro deposit amounts. The email should arrive along with the deposits 48 hours after the bank account details have been entered into the system.

Once the 2 micro deposit amounts have been confirmed, the bank account is verified and ACH payments can now be collected.

The bank account only needs to be verified once. A re-verification only happens when the bank details are changed.

Note: The reason why it takes about 48 hours to receive the email is because we send it on the same day the micro deposits are reflected on the client's bank statement. This is to give the deposits time to clear on the client's bank account. 

In this scenario, the process is exactly the same as the manual verification process above, however, if the details are entered by an Ignition user from within the app, the ACH Verification Request is sent to you, specifically, the Company Email Address (See Settings → Company tab) with the Principal User's email as a fallback.

It's important to take note that when checking for the micro deposits, relying on bank feeds is not recommended (or advisable). Bank verification is to be done using their bank statement / online banking data instead. You can always forward the verification email to your client to complete the process, if you don't have access to this data to confirm the deposits yourself. 

Click here to know more about Managing Your Client's Payment Details.

If a client's payment verification has expired, what should I do?

Once verification has expired the payment method needs to be deleted and re-added to restart the verification process and send a new set of micro-deposits to the client.

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What do micro deposits will look like in my client’s bank account?

Your client will see one of two things in their bank account:

When a client enters account information and in Ignition it reflects “invalid” what does that mean and what should I do?

This could mean a few things from a client accidentally entering in the wrong banking information or that the payment method isn't in a chargable state anymore (e.g. expired card, blocked cards, ACH/Direct Debit mandates have been cancelled). Typically in these scenarios, you'll have to add a new payment method.

If this happens to you, please reach out to our Support Team at help@ignitionapp.com for more information!