Test ACH US Direct Debit donations

Verification methods

ACH US Direct Debit supports 2 ways to connect a bank account:

• Online banking login: The supporter connects a bank account through Stripe Link. In Test mode, they select a test institution and account instead of entering routing and account numbers.
• Manual bank account entry: The supporter enters routing and account numbers. You can configure this option to use either manual or automatic verification:
  • Manual verification: Stripe sends either 2 microdeposits or 1 microdeposit with a verification code. The supporter uses the amounts or code to verify the account.
  • Automatic verification: Stripe verifies matching routing and account numbers without microdeposits. This method does not confirm that the supporter owns the bank account.

Manual and automatic verification are mutually exclusive.

Prerequisites

Before making a test donation:

• Enable ACH US Direct Debit in Settings > Payment methods.
• Enable the verification method that you want to test.
• Open a Checkout Modal or Campaign Page in Test mode.
• Select USD. ACH US Direct Debit supports US bank accounts and USD donations.
• Enable View test data to review the resulting donation in Dashboard.

The minimum donation is $95 when manual verification is the only enabled method. The minimum is $1 when online banking verification or automatic verification is enabled.

Test manual verification

Manual verification requires the supporter to verify microdeposits before Stripe can process the payment.

In ACH US Direct Debit settings, enable Online banking login and Manual bank account entry, then select Manual verification.

1. Open Checkout Modal or a Campaign Page in Test mode.
2. Select USD and enter an eligible donation amount.
3. On the Payment option screen, select Bank transfer.
4. On the Select institution screen, select any institution.
5. Click Manually verify instead below Agree and continue.
6. On the Enter bank details screen, either click Autofill or enter the test bank details:
   • Routing number: 110000000.
   • Account number: 000123456789.
   • Confirm account number: 000123456789.
7. Click Submit.
8. If prompted to save the account with Link, either save it or click Finish without saving. Both options continue the test.
9. On the confirmation screen, click Done.
10. Review the details on the Payment confirmation screen, then click Give.

Verify the bank account

Verify the test bank account using either Dashboard or the verification email.

To verify it in Dashboard:

1. Open Test Donations.
2. Open the test donation.
3. Click Verify donation.
4. In the Verify with 6‑character code window, enter SM11AA.
5. Click Verify donation.

To verify it from the email:

1. Open the ACH verification email and click Verify.
2. In Donor Portal, open the pending donation and click Verify bank account.
3. In the Verify bank account window, enter SM11AA.
4. Click Verify and donate.

Stripe allows up to 10 days to complete microdeposit verification. After verification, a live ACH payment can take up to 5 business days to process.

Test automatic verification

Automatic verification checks matching routing and account numbers without microdeposits. It does not confirm that the person entering the details owns the account.

When Automatic verification is enabled, the Bank transfer screen displays Authorize via your bank and Use routing and account number.

1. Open Checkout Modal or a Campaign Page in Test mode.
2. Select USD and enter an eligible donation amount.
3. On the Payment option screen, select Bank transfer.
4. Select Use routing and account number.
5. Enter 110000000 as the routing number.
6. Enter 000123456789 as the account number.
7. Complete the donation.

Test online banking verification

Online banking verification uses Stripe Link to simulate a connected bank account. You do not need to enter routing or account numbers for this test.

Enable Online banking login in ACH US Direct Debit settings.

1. Open Checkout Modal or a Campaign Page in Test mode.
2. Select USD and enter an eligible donation amount.
3. On the Payment option screen, select Bank transfer.
4. On the Bank transfer screen, select Authorize via your bank.
5. In Stripe Link, click Agree and continue.
6. On the Select institution screen, select Test (Non-OAuth).
7. On the Select account screen, select Success.
8. Click Connect account.
9. If prompted to save the account with Link, save it or click Finish without saving.
10. On the confirmation screen, click Done.
11. Review the bank account details on the Payment confirmation screen.
12. Click Give to complete the test donation.

To simulate a different result, select another test account on the Select account screen, such as Weekly Payment Volume Exceeded.

Simulate outcomes with bank details

The routing and account numbers below apply only when the test flow asks you to enter bank details, such as manual or automatic verification. They are not required for online banking verification.

Use routing number 110000000 with these account numbers:

Stripe settles test transactions immediately in the test balance. Live ACH payments can take several business days to settle.

Learn more about ACH US Direct Debit testing in Stripe →