Accepting ACH payments with Squarespace Payments

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Accepting ACH payments with Squarespace Payments

Last updated May 13, 2026 20:07

Enable Automated Clearing House as a payment method for your customers.

Automated Clearing House (ACH) is a secure payment method that transfers funds between bank accounts on the ACH network in the US. ACH payments enable customers to pay for their orders directly through their bank accounts instead of through credit cards or other third-party payment processors. ACH payments also help cut down on processing fees for large orders.

ACH Payments is only available in the US.

ACH payments eligibility

  • To enable ACH payments for your customers, you need to have an active Squarespace Payments account connected to a US bank account.
  • ACH is only available for transactions of $250 or more.
  • it's not possible to accept ACH payments for subscription products, pricing plans, paywalled content, or recurring donations.

Enable ACH payments

To enable ACH payments for your Squarespace Payments account:

  1. Open the Payments Settings panel.
  2. Under Manage Squarespace Payments, click Manage Settings.
  3. Under Manage Squarespace Payments, click the Payment methods tab.
  4. Under Bank debits and redirects, switch the toggle next to ACH Direct Debit to enable it.

How customers pay with ACH

When you enable ACH payments, your customers will have the option to pay with a US bank account.

US bank account option from the customer checkout experience

ACH payment processing fees

There's a 1% processing fee for using ACH payments. Fees associated with using card payments won't apply. Learn more about Squarespace Payments fees and other transaction fees.

ACH transactions and refunds timing

ACH transactions and refunds take four to five business days to process. During this time, ACH transactions will have a “in progress” payment status and “pending” fulfillment status.  If the payment then succeeds, the order is moved to a “paid” payment status and “fulfilled” fulfillment status. If it fails, the order is moved to “canceled.”

You can view the status of an ACH payment in the Orders panel. You can also click an individual transaction to view the Order Summary, which will show the order was paid with ACH direct debit.

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Accepting ACH payments with Squarespace Payments