ACH bank verification issues in Virtual Terminal
When you process an ACH donation or recurring plan in Virtual Terminal, you may occasionally see an error saying that the bank account failed verification or cannot be used.
Common messages include:
This bank account has failed verification in the past and can not be used. Please contact us if you wish to attempt to use this bank account.
These errors mean the bank account could not be verified successfully by Stripe, our payment processor.
Reasons for the error
Stripe returns this error when a bank account has failed verification. Common causes include:
- The account or routing number was entered incorrectly.
- The microdeposit amounts or verification code did not match.
- The supporter exceeded the number of allowed verification attempts.
After a verification failure, Stripe may block the same bank account credentials. Retrying them may return the same error.
Error messages in Fundraise Up
Stripe verifies the bank account and returns the error while Fundraise Up processes the donation. Fundraise Up displays this processor response but does not generate the message.
Resolve the error
If this error appears, use one of these options:
- Ask the supporter to use a different bank account.
- Ask the supporter to choose another payment method, such as a card.
- Contact Stripe Support through your organization’s Stripe account if you want Stripe to review the blocked bank account credentials.
Stripe controls the bank account verification state. Fundraise Up cannot reset or unblock it.