Portal is integrated with Stripe, Square, and QuickBooks for Payment Processing. When the customer digitally signs and accepts the proposal, they are immediately presented with a Payment request in the amount of the initial deposit payment that you've set up. The experience for the customer is slightly different for each processor, so this article is meant to provide you with a clear picture on the customer experience when they choose to pay ACH.

When you integrate with QuickBooks Payment Processing, your customer can choose to pay via ACH or Credit Card. For ACH, they will be asked to verify their account type (Checking vs. Savings, for instance) and they can enter their bank account details to complete the transaction:

When paying ACH, Stripe offers two options to connect a bank account for payment from your customer. The first, and the default, is to securely connect to their bank using their bank login credentials via Stripe's secure verification service. This is the most secure method to verify their account and connect to their bank. Alternatively, your customer can choose to verify their bank account manually via micro-deposits. Here is the customer view:

If your customer chooses instead to "Enter bank details manually instead", this will initiate a micro deposit verification process which will take several days. Once they enter their bank details, Stripe will deposit a small amount (several cents) into their bank account, and then immediately withdraw it. The transaction description will include a code. The customer will receive a verification email with a link to click, where they will enter that code to validate the bank account. Once verified, your customer must return to the Portal Payment request page to complete the payment. They can do this from the link in the email they will receive automatically when they accept the proposal. But they must complete the micro deposit verification first.

Square has a single option for your customer to connect their bank account for payment. Your customer must securely connect to their bank using their bank login credentials via Plaid's secure verification service. Here is the customer experience:

When the customer clicks "Pay with Your Bank Account", they are taken to the Plaid screen to connect to their bank account for secure payment: