Does Shopify payment accept USA bank accounts with ACH and routing numbers?

Shopify Discussion

Topic summary

Main issue: Connecting a U.S. bank account to Shopify Payments and whether ACH/routing numbers are accepted.

Key points:

  • For U.S.-based stores, the payout bank account must be a full checking account at a physical U.S. bank, in USD, and able to accept electronic transfers—specifically eligible for ACH (Automated Clearing House) transfers.
  • A U.S. business bank account is acceptable for Shopify Payments if it meets these requirements.

Related inquiry (customer payment method):

  • A user wants to let customers pay via ACH at checkout (not just receive payouts). Their current workaround uses a manual payment method directing customers to a Stripe ACH payment link after order placement.
  • Open questions: whether ACH can be offered via a Stripe popup integrated into Shopify checkout, and how to avoid orders remaining “Payment pending” (currently requires manually marking as paid).

Latest update/outcome:

  • No official confirmation that ACH can be natively offered to customers via Shopify Payments; the thread presents only a manual-link workaround.
  • Another participant shared an external YouTube link suggesting Stripe ACH/subscriptions, but it isn’t validated by staff.

Status: Payout requirements clarified; customer ACH acceptance remains unresolved.

Summarized with AI on December 24. AI used: gpt-5.
2

Hi, @hassan101 .

If your store is based in the US, you’ll need to make sure that your bank account meets the following requirements before connecting it to Shopify Payments US on your store:

  • The account is a full checking account.
  • The account must be with a physical bank in the United states, and in USD currency.
  • The account can accept electronic bank transfers, and for the United States it must specifically be eligible for ACH transfers.

For more information, you can also refer to our help guide on Shopify Payments requirements here.

Are you currently in the process of setting up your store? If so, apart from your bank account enquiry, how are you getting on with your store?

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