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id=\"diagram-81ccf8a6f0d40732bc120c6dd58d874aa3981ba8ea3c7f77e3829d5b8b3f74b9-solidBottomArrowHead\" refX=\"7.9\" refY=\"0.75\" markerUnits=\"userSpaceOnUse\" markerWidth=\"12\" markerHeight=\"12\" orient=\"auto-start-reverse\"><path d=\"M 0 0 L 10 0 L 0 8 z\"></path></marker></defs><defs><marker id=\"diagram-81ccf8a6f0d40732bc120c6dd58d874aa3981ba8ea3c7f77e3829d5b8b3f74b9-stickTopArrowHead\" refX=\"7.5\" refY=\"7\" markerUnits=\"userSpaceOnUse\" markerWidth=\"12\" markerHeight=\"12\" orient=\"auto-start-reverse\"><path d=\"M 0 0 L 7 7\" stroke=\"black\" stroke-width=\"1.5\" fill=\"none\"></path></marker></defs><defs><marker id=\"diagram-81ccf8a6f0d40732bc120c6dd58d874aa3981ba8ea3c7f77e3829d5b8b3f74b9-stickBottomArrowHead\" refX=\"7.5\" refY=\"0\" markerUnits=\"userSpaceOnUse\" markerWidth=\"12\" markerHeight=\"12\" orient=\"auto-start-reverse\"><path d=\"M 0 7 L 7 0\" stroke=\"black\" stroke-width=\"1.5\" fill=\"none\"></path></marker></defs><g data-et=\"note\" data-id=\"i2\"><rect x=\"-1.5\" y=\"183\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"153\" height=\"42\" class=\"note\"></rect><text x=\"75\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"75\">Invoice generated</tspan></text></g><text x=\"297\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">POST /v1/payment_tokens (tokenize bank account)</text><line x1=\"76\" y1=\"119\" x2=\"518\" y2=\"119\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Merchant\" data-to=\"API\" stroke-width=\"2\" stroke=\"none\" 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sans-serif; font-size: 16px; font-weight: 400;\">POST /v1/transactions (bank_account_payment)</text><line x1=\"76\" y1=\"279\" x2=\"518\" y2=\"279\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant\" data-to=\"API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-81ccf8a6f0d40732bc120c6dd58d874aa3981ba8ea3c7f77e3829d5b8b3f74b9-arrowhead)\" style=\"fill: none;\"></line><text x=\"300\" y=\"294\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">approved (pending settlement)</text><line x1=\"521\" y1=\"333\" x2=\"79\" y2=\"333\" class=\"messageLine1\" data-et=\"message\" data-id=\"i4\" data-from=\"API\" data-to=\"Merchant\" stroke-width=\"2\" stroke=\"none\" 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sans-serif; font-size: 16px; font-weight: 400;\">Settled (2-3 business days)</text><line x1=\"788\" y1=\"441\" x2=\"526\" y2=\"441\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Bank\" data-to=\"API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-81ccf8a6f0d40732bc120c6dd58d874aa3981ba8ea3c7f77e3829d5b8b3f74b9-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line></svg>"},"children":["---\nconfig:\n  theme: 'neutral'\n---\nsequenceDiagram\n    participant Merchant\n    participant API as Paradise Gateway\n    participant Bank as Customer's Bank\n    Merchant->>API: POST /v1/payment_tokens (tokenize bank account)\n    API-->>Merchant: payment_token\n    Note over Merchant: Invoice generated\n    Merchant->>API: POST /v1/transactions (bank_account_payment)\n    API-->>Merchant: approved (pending settlement)\n    API->>Bank: ACH debit initiated\n    Bank-->>API: Settled (2-3 business days)\n"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"step-1-tokenize-the-customers-bank-account","__idx":3},"children":["Step 1: Tokenize the customer's bank account"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Store the customer's bank account once. Use the token for all future invoice payments."]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"curl","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"shell","header":{"controls":{"copy":{}}},"source":"curl -X POST \\\n  https://api.dev.paradisegateway.net/v1/payment_tokens \\\n  -H \"Content-Type: application/json\" \\\n  -H \"APIKEY: YOUR-API-KEY\" \\\n  -d '{\n    \"customer_id\": \"CUSTOMER-01KFDKXMQ637EKEAY410MSQSXB\",\n    \"nickname\": \"Acme Corp Checking\",\n    \"bank_account\": {\n      \"routing_number\": \"021000021\",\n      \"account_number\": \"123456789012\",\n      \"account_type\": \"checking\",\n      \"name\": \"Acme Corporation\",\n      \"email\": \"ap@acmecorp.example.com\"\n    }\n  }'\n","lang":"shell"},"children":[]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"Python","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"python","header":{"controls":{"copy":{}}},"source":"import os, requests\n\nAPI_KEY = os.environ[\"PARADISE_API_KEY\"]\nBASE = \"https://api.dev.paradisegateway.net\"\n\ntoken_resp = requests.post(\n    f\"{BASE}/v1/payment_tokens\",\n    headers={\"Content-Type\": \"application/json\", \"APIKEY\": API_KEY},\n    json={\n        \"customer_id\": \"CUSTOMER-01KFDKXMQ637EKEAY410MSQSXB\",\n        \"nickname\": \"Acme Corp Checking\",\n        \"bank_account\": {\n            \"routing_number\": \"021000021\",\n            \"account_number\": \"123456789012\",\n            \"account_type\": \"checking\",\n            \"name\": \"Acme Corporation\",\n            \"email\": \"ap@acmecorp.example.com\",\n        },\n    },\n)\npayment_token = token_resp.json()[\"payment_token\"]\nprint(f\"Token: {payment_token}\")\n","lang":"python"},"children":[]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"JavaScript","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"javascript","header":{"controls":{"copy":{}}},"source":"const API_KEY = process.env.PARADISE_API_KEY;\nconst BASE = \"https://api.dev.paradisegateway.net\";\n\nconst tokenResp = await fetch(`${BASE}/v1/payment_tokens`, {\n  method: \"POST\",\n  headers: { \"Content-Type\": \"application/json\", \"APIKEY\": API_KEY },\n  body: JSON.stringify({\n    customer_id: \"CUSTOMER-01KFDKXMQ637EKEAY410MSQSXB\",\n    nickname: \"Acme Corp Checking\",\n    bank_account: {\n      routing_number: \"021000021\",\n      account_number: \"123456789012\",\n      account_type: \"checking\",\n      name: \"Acme Corporation\",\n      email: \"ap@acmecorp.example.com\",\n    },\n  }),\n});\nconst { payment_token } = await tokenResp.json();\nconsole.log(`Token: ${payment_token}`);\n","lang":"javascript"},"children":[]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"step-2-process-the-invoice-payment","__idx":4},"children":["Step 2: Process the invoice payment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When the invoice is due, debit the customer's bank account using the stored token."]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"curl","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"shell","header":{"controls":{"copy":{}}},"source":"curl -X POST \\\n  https://api.dev.paradisegateway.net/v1/transactions \\\n  -H \"Content-Type: application/json\" \\\n  -H \"APIKEY: YOUR-API-KEY\" \\\n  -d '{\n    \"type\": \"sale\",\n    \"amount\": 250000,\n    \"payment_method\": {\n      \"type\": \"payment_token\",\n      \"payment_token\": \"PAYMENT_TOKEN-02LGEHBA0BZSPA6WRY1T3H4CD\"\n    },\n    \"metadata\": {\n      \"invoice_id\": \"INV-2026-0042\"\n    }\n  }'\n","lang":"shell"},"children":[]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"Python","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"python","header":{"controls":{"copy":{}}},"source":"txn_resp = requests.post(\n    f\"{BASE}/v1/transactions\",\n    headers={\"Content-Type\": \"application/json\", \"APIKEY\": API_KEY},\n    json={\n        \"type\": \"sale\",\n        \"amount\": 250000,\n        \"payment_method\": {\n            \"type\": \"payment_token\",\n            \"payment_token\": payment_token,\n        },\n        \"metadata\": {\"invoice_id\": \"INV-2026-0042\"},\n    },\n)\ntxn = txn_resp.json()\nprint(f\"Status: {txn['response_status']}, ID: {txn['id']}\")\n","lang":"python"},"children":[]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"JavaScript","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"javascript","header":{"controls":{"copy":{}}},"source":"const txnResp = await fetch(`${BASE}/v1/transactions`, {\n  method: \"POST\",\n  headers: { \"Content-Type\": \"application/json\", \"APIKEY\": API_KEY },\n  body: JSON.stringify({\n    type: \"sale\",\n    amount: 250000,\n    payment_method: { type: \"payment_token\", payment_token },\n    metadata: { invoice_id: \"INV-2026-0042\" },\n  }),\n});\nconst txn = await txnResp.json();\nconsole.log(`Status: ${txn.response_status}, ID: ${txn.id}`);\n","lang":"javascript"},"children":[]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"step-3-track-settlement","__idx":5},"children":["Step 3: Track settlement"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["ACH transactions settle in 2–3 business days. Poll the transaction or check batch status to confirm."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"shell","header":{"controls":{"copy":{}}},"source":"curl https://api.dev.paradisegateway.net/v1/transactions/TRANSACTION-01KEW32V6YNV11T33XGDR7TGWC \\\n  -H \"APIKEY: 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fee (higher)"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Settlement time"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["2–3 business days"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Next business day"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Chargebacks"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["ACH returns (limited window)"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Card disputes (longer window)"]}]},{"$$mdtype":"Tag","name":"tr","attributes":{},"children":[{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["Best for"]},{"$$mdtype":"Tag","name":"td","attributes":{"align":"left"},"children":["High-value, recurring 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See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/docs/tutorials/payment-cookbook/auth-returns"},"children":["ACH returns"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Notify the customer"]}," — send an email when the debit is initiated and another when it settles"]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"next-steps","__idx":8},"children":["Next steps"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/docs/tutorials/payment-cookbook/ach-payouts"},"children":["ACH payouts"]}," — send funds to vendors"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/docs/tutorials/payment-cookbook/auth-returns"},"children":["ACH returns"]}," — handle returned debits"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/docs/concepts/transactions/ach-accounts"},"children":["About ACH payments"]}]}]}]},"headings":[{"value":"Recipe: ACH for invoices","id":"recipe-ach-for-invoices","depth":1},{"value":"When to use ACH for invoices","id":"when-to-use-ach-for-invoices","depth":2},{"value":"Flow","id":"flow","depth":2},{"value":"Step 1: Tokenize the customer's bank account","id":"step-1-tokenize-the-customers-bank-account","depth":2},{"value":"Step 2: Process the invoice payment","id":"step-2-process-the-invoice-payment","depth":2},{"value":"Step 3: Track settlement","id":"step-3-track-settlement","depth":2},{"value":"ACH vs. card payments for invoices","id":"ach-vs-card-payments-for-invoices","depth":2},{"value":"Best practices","id":"best-practices","depth":2},{"value":"Next steps","id":"next-steps","depth":2}],"frontmatter":{"title":"Recipe: ACH for invoices","shortTitle":"ACH for invoices","intro":"Collect invoice payments via ACH bank debits — lower cost than card processing and well-suited for B2B and recurring billing scenarios.","type":"tutorial","seo":{"title":""}},"lastModified":"2026-06-05T02:46:44.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/docs/tutorials/payment-cookbook/ach-for-invoices","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}