> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Adyen - ACH Direct Debit

> Configure ACH Direct Debit via Adyen as a payment method in Gr4vy.

Adyen is a global payment technology company founded in 2006 in Amsterdam, Netherlands. The company provides a single platform for accepting payments across online, mobile, and in-store channels for major enterprises worldwide including Uber, Spotify, and Microsoft.

ACH Direct Debit is a bank payment method in the United States. The buyer enters their bank account and routing numbers on the Adyen Drop-in component, and the funds are debited from their account. Adyen verifies and processes the debit, and the payment method can be stored for recurring debits.

This connector renders the Adyen Drop-in for ACH Direct Debit. To submit bank account details directly through the API instead, see [Bank (ACH, SEPA, BACS) via Adyen](./adyen-bank).

## Setup

Please follow the [common Adyen instructions](./adyen) to get set up with ACH Direct Debit.

Next, make sure to enable ACH Direct Debit as a payment method on your configured account.

## Supported countries

ACH Direct Debit supports transactions from buyers in `PR` and `US`.

## Supported currencies

ACH Direct Debit supports processing payments in `USD`.

## Features

ACH Direct Debit via Adyen supports the following features:

* **Direct capture** - Capture funds at the time of the transaction
* **Refunds** - Refund transactions in full
* **Partial refunds** - Refund a portion of the original transaction amount
* **Payment method tokenization** - Store the bank account for recurring debits
* **Settlement reporting** - Reconcile transactions against Adyen settlement reports

## Limitations

The following features are not supported by this connector:

* **Delayed capture** - Authorization and capture happen together
* **Partial capture** - Cannot capture a portion of the authorized amount
* **Void** - Cannot cancel a transaction once initiated
* **Zero auth** - Zero-amount verification transactions are not supported

## Integration

For ACH Direct Debit, the default integration for Adyen is through a redirect to a hosted payments page that renders the Adyen Drop-in in a popup. The buyer enters their bank account and routing numbers on the Drop-in to authorize the debit.

### Redirect integration

Start by creating a new transaction with the following required fields.

<CodeGroup>
  ```csharp C# theme={"system"}
  var transaction = await client.Transactions.CreateAsync(
      transactionCreate: new TransactionCreate()
      {
          Amount = 1299,
          Currency = "USD",
          Country = "US",
          Intent = "capture",
          PaymentMethod =
              TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
                  new RedirectPaymentMethodCreate()
                  {
                      Method = "ach",
                      Country = "US",
                      Currency = "USD",
                      RedirectUrl = "https://example.com/callback",
                  }
              ),
      }
  );
  ```

  ```go Go theme={"system"}
  amount := int64(1299)
  currency := "USD"
  country := "US"
  method := components.RedirectPaymentMethodCreateMethodAch
  redirectUrl := "https://example.com/callback"

  redirectPaymentMethodCreate := components.RedirectPaymentMethodCreate{
      Method: method,
      Country: country,
      Currency: currency,
      RedirectURL: redirectUrl,
  }
  paymentMethod := components.CreateTransactionCreatePaymentMethodRedirectPaymentMethodCreate(redirectPaymentMethodCreate)

  transactionCreate := components.TransactionCreate{
      Amount:        amount,
      Currency:      currency,
      Country:       &country,
      Intent:       gr4vy.Pointer(components.TransactionIntentCapture),
      PaymentMethod: &paymentMethod,
  }

  transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)
  ```

  ```java Java theme={"system"}
  CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
      .transactionCreate(TransactionCreate.builder()
          .amount(1299L)
          .currency("USD")
          .country("US")
          .intent(TransactionIntent.CAPTURE)
          .paymentMethod(TransactionCreatePaymentMethod.of(RedirectPaymentMethodCreate.builder()
              .method(RedirectPaymentMethodCreateMethod.ACH)
              .country("US")
              .currency("USD")
              .redirectUrl("https://example.com/callback")
              .build()))
          .build())
      .call();

  Transaction transaction = transactionResponse.transaction().orElse(null);
  ```

  ```php PHP theme={"system"}
  $transactionCreate = new TransactionCreate(
      amount: 1299,
      currency: 'USD',
      country: 'US',
      intent: 'capture',
      paymentMethod: new RedirectPaymentMethodCreate(
          method: 'ach',
          country: 'US',
          currency: 'USD',
          redirectUrl: 'https://example.com/callback'
      )
  );
  $response = self::$sdk->transactions->create($transactionCreate);
  $transaction = $response->transaction;
  ```

  ```python Python theme={"system"}
  transaction: models.Transaction = client.transactions.create(
      amount=1299,
      currency="USD",
      country="US",
      intent="capture",
      payment_method={
          "method": "ach",
          "country": "US",
          "currency": "USD",
          "redirect_url": "https://example.com/callback",
      }
  )
  ```

  ```ts TypeScript theme={"system"}
  const transaction = await gr4vy.transactions.create({
      amount: 1299,
      currency: "USD",
      country: "US",
      intent: "capture",
      paymentMethod: {
          method: "ach",
          country: "US",
          currency: "USD",
          redirectUrl: "https://example.com/callback"
      }
  })
  ```
</CodeGroup>

After the transaction is created, the API response includes `payment_method.approval_url` and the `buyer_approval_pending` status.

```json theme={"system"}
{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.sandbox.spider.gr4vy.app/connectors/adyen/apm.html?token=..."
  },
  "method": "ach"
}
```

Open the `approval_url` in a popup so the buyer can enter their bank account and routing numbers on the Adyen Drop-in and authorize the debit. After the buyer completes the form they are redirected to the `redirect_url` you provided when creating the transaction. Do not rely solely on the redirect - either poll the transaction or (recommended) rely on webhooks to detect the final status (for example `capture_succeeded` or failure states).

### Direct integration

Adyen provides [web](https://docs.adyen.com/online-payments/build-your-integration/sessions-flow?platform=Web\&integration=Components\&version=6.23.0), [Android](https://docs.adyen.com/online-payments/build-your-integration/sessions-flow?platform=Android\&integration=Components\&version=5.15.0) and [iOS](https://docs.adyen.com/online-payments/build-your-integration/sessions-flow?platform=iOS\&integration=Components\&version=5.21.1) SDKs for a direct integration. For these flows you should indicate the platform by setting an appropriate `integration_client` when creating the transaction, and then build a client-side integration that uses the [`POST /transactions/:transaction_id/session`](/reference/transactions/get-transaction-session) API to initialize the Adyen SDK.

To start, create a new transaction with the appropriate `integration_client`.

<CodeGroup>
  ```csharp C# theme={"system"}
  var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
      Amount = 1299,
      Currency = "USD",
      Country = "US",
      Intent = "capture",
      IntegrationClient = "ios",
      PaymentMethod =
        TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
          new RedirectPaymentMethodCreate()
          {
            Method = "ach",
            Country = "US",
            Currency = "USD",
            RedirectUrl = "https://example.com/callback",
          }
        ),
    }
  );
  ```

  ```go Go theme={"system"}
  amount := int64(1299)
  currency := "USD"
  country := "US"
  integrationClient := "ios"
  method := components.RedirectPaymentMethodCreateMethodAch
  redirectUrl := "https://example.com/callback"

  redirectPaymentMethodCreate := components.RedirectPaymentMethodCreate{
    Method: method,
    Country: country,
    Currency: currency,
    RedirectURL: redirectUrl,
  }
  paymentMethod := components.CreateTransactionCreatePaymentMethodRedirectPaymentMethodCreate(redirectPaymentMethodCreate)

  transactionCreate := components.TransactionCreate{
    Amount:            amount,
    Currency:          currency,
    Country:           &country,
    Intent:           gr4vy.Pointer(components.TransactionIntentCapture),
    IntegrationClient: &integrationClient,
    PaymentMethod:     &paymentMethod,
  }

  transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)
  ```

  ```java Java theme={"system"}
  CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
      .amount(1299L)
      .currency("USD")
      .country("US")
      .intent(TransactionIntent.CAPTURE)
      .integrationClient("ios")
      .paymentMethod(TransactionCreatePaymentMethod.of(RedirectPaymentMethodCreate.builder()
        .method(RedirectPaymentMethodCreateMethod.ACH)
        .country("US")
        .currency("USD")
        .redirectUrl("https://example.com/callback")
        .build()))
      .build())
    .call();

  Transaction transaction = transactionResponse.transaction().orElse(null);
  ```

  ```php PHP theme={"system"}
  $transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'USD',
    country: 'US',
    intent: 'capture',
    integrationClient: 'ios',
    paymentMethod: new RedirectPaymentMethodCreate(
      method: 'ach',
      country: 'US',
      currency: 'USD',
      redirectUrl: 'myapp://callback'
    )
  );
  $response = self::$sdk->transactions->create($transactionCreate);
  $transaction = $response->transaction;
  ```

  ```python Python theme={"system"}
  transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="USD",
    country="US",
    intent="capture",
    integration_client="ios",
    payment_method={
      "method": "ach",
      "country": "US",
      "currency": "USD",
      "redirect_url": "https://example.com/callback",
    }
  )
  ```

  ```ts TypeScript theme={"system"}
  const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "USD",
    country: "US",
    intent: "capture",
    integrationClient: "ios",
    paymentMethod: {
      method: "ach",
      country: "US",
      currency: "USD",
      redirectUrl: "https://example.com/callback"
    }
  })
  ```
</CodeGroup>

For mobile, set `integration_client` to `ios` or `android` and use your app deep link for `redirect_url` (for example, `yourapp://`).

After the transaction is created, the API response includes a `session_token` which can be used to get the [session data](/reference/transactions/get-transaction-session) for that transaction.

```sh theme={"system"}
POST /transactions/:transaction_id/session?token=:session_token
```

This session data provides the `sessionId` and `sessionData` required to load the Adyen SDK. Refer to the [common Adyen integration guidance](./adyen-sofort#direct-integration) for a worked example of initializing the Adyen SDK with this session data.

## Recurring payments

ACH Direct Debit via Adyen supports storing the bank account for later reuse. When you store the payment method, Gr4vy registers a recurring contract with Adyen so the stored bank account can be debited for subsequent transactions. See [Recurring payments](/guides/features/recurring-payments/overview) for an overview of storing and reusing payment methods.

## Testing

Adyen has [instructions](https://docs.adyen.com/payment-methods/ach-direct-debit/web-drop-in/#test-and-go-live) on how to test ACH Direct Debit.