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Not seeing an ACH payment? ACH donations rejected by Stripe? Here are some important things to note about ACH payments.
Unfortunately, Stripe does not allow for unlimited donations through ACH transfers.
If a donor attempts to make a contribution in excess of these limits, the donor will receive an error message, as follows:
If the donation is for more than $2,000: "Apologies, we are currently unable to process a bank account payment above $2,000 in a single transaction. Please consider splitting your donation into multiple bank transactions of up to $2,000 each, or making a $2,000 donation via your bank with the rest to follow via credit or debit. We apologize for the inconvenience. We’re so grateful for your support."
If the donation takes the weekly tally over $10,000: "Apologies, we are currently unable to process your bank account payment. We have a weekly limit of $10,000 on direct bank donations and your generous contribution has pushed us over that limit. Please consider making your donation now by credit or debit instead, or making a second attempt by bank transfer on Monday, when our weekly tally is reset to 0. We apologize for the inconvenience. We’re so grateful for your support.”
Stripe has a couple of fines to keep in mind:
Stripe's Developers Logs are where you will find a running report of any errors your nonprofit's donors may be facing. If you are contacted by a donor with word of an unsuccessful donation or an error message, the best source of information about that error is the Developers Logs.
Here's how to visit the record of failed donations in the Developers Logs:
Once you have accessed the Stripe Developers Logs (see directly above), the most common errors -- and recommended solutions -- are as follows:
ACH not activated
Error message: ”This bank account is not a valid source for payments. Only valid sources can be attached to a customer. ... The particular issue is: You must accept the Terms of Service for ACH at stripe.com/docs/guides/ach before adding US bank accounts to customers.”
$2000-per-transaction ACH limit has been exceeded
Error message: "Your account currently does not support bank account payment amounts greater than $2,000.00. The amount given was $[donation amount]. Please contact Stripe support if you'd like to increase this limit."
Actions: Contact Stripe Support about the possibility of setting a higher processing limit to accommodate the donation.
Other error codes
Some error codes do not include a specific message. Instead, there is a link to an "Error codes" page on Stripe that lists all the possible error codes and the actions that can be taken to remedy the error.