The Stripe™ ACH payment gateway module is available in WHMCS.

Supported Features #

Type: Token

Adding the Stripe ACH Payment Gateway #

To set up the Stripe ACH payment gateway in WHMCS:

1. If you use WHMCS 8.8 or earlier, activate Plaid support:
   1. Make certain that you have activated ACH in your Stripe account.
   2. If you have not already, create a Plaid account.
   3. Log in to the Plaid control panel.
   4. Go to Team Settings > Integrations.
   5. Click Enable next to the Stripe integration and follow the on-screen instructions.
2. Log in to the WHMCS Admin Area.
3. Go to Configuration () > Apps & Integrations or Addons > Apps & Integrations.
4. Click Stripe ACH.
5. Check Show on Order Form to display this payment method in the Client Area during checkout.
6. Configure a display name. We recommend Credit Card.
7. Retrieve and configure your Stripe API credentials.
   • For WHMCS 8.11 and later, generate publishable and restricted API keys using the WHMCS app in the Stripe App Marketplace.
     We introduced support for Stripe Restricted API Keys in WHMCS 8.11. You cannot use Restricted API Keys with Stripe in WHMCS 8.10 or earlier.
     For steps and more information, see Add Restricted API Keys to Stripe.
   • For WHMCS 8.10 and earlier, go to the Stripe portal and retrieve the publishable and secret API keys.
8. Copy and paste the API keys into WHMCS.
   • If you currently also use the Stripe payment gateway, you can check Use Stripe Configuration to use your existing API keys.
   • Do not enter a value for the Webhook Secret Key. The system generates it automatically.
     • The Stripe ACH module requires a valid Webhook and Secret Key in order to recognize payments and automatically apply them to invoices.
     • If you modify the secret key for the webhook at Stripe, you must also update it in WHMCS.
   • If you use WHMCS 8.8 or earlier, contact Plaid support and ask them to enable public_key on your Plaid account.
9. Click Save Changes.

Test Mode #

This payment gateway module does not include a manual Test Mode setting. Instead, Stripe will detect whether you are using a live account or a test account using the API keys that you enter.

Restricted API Key Requirement #

In 2024, Stripe announced that it will require new secure authentication methods.

• If you use any Stripe payment gateway modules (Stripe, Stripe ACH, or Stripe SEPA), we strongly recommend updating your Stripe credentials to use restricted API keys as soon as possible.
• You can retrieve publishable and restricted API keys using the WHMCS app in the Stripe App Marketplace.

Transaction Fees #

Stripe returns transaction fees in the default currency of the Stripe account. If you have a different default currency in WHMCS, you must properly configure the currency of your Stripe account in Configuration () > System Settings > Currencies with a valid exchange rate to allow WHMCS to be able to convert the fee into your other currencies.

Payment Workflow #

This module supports automated recurring and on-demand billing.

ACH payments can take up to five days to process. The invoice status will be Payment Pending until the payment clears.

When making a payment, customers can choose to use a previously-stored bank account or enter a new one. Customers never leave your WHMCS installation during checkout or adding or removing a new bank account. The system never stores personal bank information in your local WHMCS installation.

The system uses the Stripe API for refunds and obtaining transaction information.

Production Mode #

To use Plaid in production mode to process real payments:

1. Log in to your Plaid account and go to Team Settings > Keys.
2. Copy Production Secret.
3. In WHMCS, go to Configuration () > System Settings > Payment Gateways.
4. In WHMCS 8.5 and earlier, click the Manage Existing Gateways tab.
5. Select Production for Plaid Environment.
6. Paste it into Plaid Secret.
7. Click Save Changes.
8. Check to ensure that you have completed all of the necessary configuration steps for the module.

Troubleshooting #

You can find information about most payment gateway-related errors in the logs at Billing > Gateway Log and in the Module Log.

You may encounter the following common issues:

Last modified: 2025 March 25