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.
Why this happens
ACH payments require the donor’s bank account to be verified before the payment method can be used. If a previous verification attempt failed, Stripe may block the same bank account from being used again.
This can happen when:
- the bank account details were entered incorrectly
- the bank account could not be verified during the ACH setup flow
- automatic ACH verification was not available or completed during the original attempt
- Stripe previously marked the bank account as failed verification
If the same bank account is tried again after a failed verification attempt, Stripe may continue returning the same error.
Why the message appear in Fundraise Up
The error may appear inside Virtual Terminal because the payment is being processed through Fundraise Up, but the verification decision comes from Stripe.
Fundraise Up displays the processor response so you can understand why the payment method could not be used. The message itself is not generated by Fundraise Up.
What to do next
If this error appears, try one of the following options:
- Ask the donor to use a different bank account.
- Ask the donor to use another payment method, such as card.
- Contact Stripe Support if you need Stripe to review the blocked bank account verification.
Fundraise Up cannot reset or unblock the bank account verification state. If Stripe has blocked the bank account because of a previous failed verification, Stripe must review or resolve the issue on their side.