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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. Adyen’s ACH connector enables you to process ACH bank payments through Adyen’s payment platform. This connector works exclusively with Plaid for bank account linking and verification. When a customer links their bank account through Plaid Link, you can use this Adyen ACH connector to process the actual ACH transactions through Adyen’s infrastructure.

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Setup

Please follow the common Adyen instructions to get set up with Adyen. Next, make sure to enable ACH as a payment method on your configured account.

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Prerequisites

To use ACH via Adyen, you must have:
  1. Plaid configured - You need to set up Plaid in your Gr4vy dashboard to handle bank account linking
  2. Adyen ACH enabled - ACH must be enabled as a payment method in your Adyen account
The integration flow requires customers to first link their bank account through Plaid Link, then use the resulting public token to create a transaction that is processed through Adyen’s ACH network.

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Supported countries

Adyen supports transactions from buyers in US.

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Supported currencies

Adyen supports processing payments in USD.

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Limitations

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Refunds

Partial refunds are not supported for unsettled ACH transactions. If you need to refund an ACH transaction before it has settled, you must refund the full transaction amount. Once a transaction has settled, partial refunds become available.

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Payment methods

This connector only supports bank accounts linked through Plaid. Direct ACH account number entry is not supported through this integration.

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Usage

To create an ACH payment via Adyen, follow these steps: First, use Plaid Link to securely connect the customer’s bank account. See the Plaid integration guide for detailed instructions on implementing Plaid Link. When the customer successfully links their account, you’ll receive a publicToken and account metadata from Plaid.

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Step 2: Create transaction with Adyen

Use the publicToken from Plaid to create a transaction that is processed through Adyen’s ACH connector. 
var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = TransactionCreate.IntentEnum.Capture,
        PaymentMethod = TransactionCreatePaymentMethod.CreatePlaidPaymentMethodCreate(
            new PlaidPaymentMethodCreate()
            {
                Method = PlaidPaymentMethodCreate.MethodEnum.Plaid,
                Token = "public-sandbox-xxxxx",
                AccountId = "account-id-from-metadata"
            }
        ),
        Buyer = new BuyerCreate()
        {
            BillingAddress = new AddressCreate()
            {
                FirstName = "John",
                LastName = "Doe"
            }
        },
        PaymentServiceId = "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
    }
);
Key parameters:
  • method - Set to plaid to indicate a Plaid-linked bank account
  • token - The public token received from Plaid Link
  • account_id - Optional. The specific account ID from Plaid metadata if the customer linked multiple accounts
  • payment_service_id - The UUID of your Adyen ACH connection (found in Gr4vy dashboard)
The transaction is processed through Adyen’s ACH network using the bank account details securely retrieved from Plaid.

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Testing

In a test environment, you can use Plaid’s sandbox mode along with Adyen’s test environment:
  1. Configure Plaid with sandbox credentials
  2. Use Plaid’s test credentials to link a test bank account
  3. Process test transactions through Adyen’s sandbox
Refer to Plaid’s testing documentation for available test credentials and scenarios.