ACH Debit allows customers to pay directly from their bank accounts, offering a secure and cost-effective payment method. 

WP Easy Pay integrates ACH Debit through Square, making it easy to collect bank payments directly from your WordPress forms.

This guide explains how to enable ACH Debit in the admin settings and how the checkout flow works on the front end.

Prerequisites

• Square ACH enabled
• Verified bank support

Enable Payment Methods in Square

1. Log in to your Square Dashboard
2. Go to Settings → Checkout / Payment Methods
3. Enable the desired payment methods (Afterpay, Apple Pay, Google Pay, etc.)

Enable ACH Debit Payment in WP Easy Pay

Follow the steps below to activate ACH Debit payments:

1. Log in to your WordPress Admin Dashboard.
2. Navigate to WP Easy Pay → Square Connect.
3. After connecting Square successfully, You’ll be redirected to the Square Payment Gateway Settings page.

4. Locate the ACH Debit Payment option.
5. Check the Enable ACH Debit Payment checkbox.

6. Click Save Settings to apply the settings.

Once enabled, ACH Debit will be available on supported payment forms.

Note: ACH Debit must be enabled and approved in your Square account to function correctly.

How ACH Debit Works on the Front End

After enabling ACH Debit, customers can select it during checkout

Customer Payment Flow

1. Visit your website and open the page where the WP Easy Pay form is published.

2. Enter the required form information and select the payment amount.

3. Choose ACH Debit as the payment method.

4. Click the Pay with Bank Account button.

Bank Account Linking Process

5. A secure popup window will appear. Enter Phone number.

6. Click Continue to begin the bank connection process

7. Select the desired bank from the list.

8. Click Continue to proceed.

Bank Authentication (Sandbox vs Live)

9. A new tab will open requesting bank login details.

Sandbox Mode Note:
During testing, credentials and verification codes are simulated. Simply click through the available buttons to continue.

10. Click Sign In.

11. Click Get Code, then Submit.

12. Select one of the available bank accounts.

13. Click Continue.

Final Confirmation

14. Accept the Terms and Conditions by selecting the checkbox.

15. Click Connect Account Information.

16. A confirmation popup will appear stating the bank account has been successfully linked to Square.

17. Enter Phone or Click Finish without saving to continue.

18.  A new popup will appear, Click Confirm to finalize the payment.

19. Once completed, the payment will be processed and a confirmation message will appear on the front end.

Verify the Transaction

• Go to your Square Sandbox Dashboard (or Live Dashboard if in Live Mode)
• Navigate to Transactions
• Click the transaction to view full details

Important Notes

• ACH Debit availability depends on Square account eligibility and region
• Bank verification behavior differs between Sandbox and Live Mode
• ACH payments may take additional time to fully settle