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Configure your Stripe account for Nacha compliance

Overview Stripe is tightening requirements for ACH Direct Debit to align with Nacha operating rules. If you accept US bank account payments through…

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  1. Overview
  2. What you need to do in Stripe
  3. Configure transaction classification in Stripe
  4. FAQ

Overview

Stripe is tightening requirements for ACH Direct Debit to align with Nacha operating rules. If you accept US bank account payments through GHL Customer Care using Stripe, you may need to update your Stripe account details so customers can clearly identify your business on bank statements and have a way to contact you. (Stripe) [Nacha compliance]
NOTE - effective 20 March 2026
Who needs to take action?

  1. You have a Stripe account connected to GHL Customer Care and accept ACH Direct Debit or plan to accept US bank account payments

  2. Your subaccount/client who has a Stripe account connected to GHL Customer Care and accepts ACH Direct Debit or plan to accept US bank account payments

What you need to do in Stripe

You must choose how Stripe should classify your bank payment transactions. Stripe provides three options:

  1. Automatically classify transactions
    Stripe determines whether each transaction represents a purchase of goods based on available signals such as merchant information and transaction details. This works for most businesses and requires no code changes.

  2. Classify all ACH transactions as goods
    Choose this if you exclusively sell physical or digital products. All ACH transactions are classified as purchases of goods.

  3. Do not classify any transactions as goods
    Choose this if you provide services, accept donations, or collect bill payments rather than selling goods.

What you need to do in Stripe (image 1 of 4) What this shows Automatically classify transactions Stripe determines whether each transaction represents a purchase of goods based on available signals… What this shows Illustrates the "What you need to do in Stripe" section of "Configure your Stripe account for Nacha compliance". This screenshot appears in the "What you need to do in Stripe" section of "Configure your Stripe account for Nacha compliance". The text alongside this image reads: Automatically classify transactions Stripe determines whether each transaction represents a purchase of goods based on available signals such as merchant information and transaction details. This works for most businesses and requires no code changes. Classify all ACH transactions as goods Choose…. Immediately after, the guide continues: Open your Stripe Dashboard Go to Settings, then Payment, then look for Link Locate the Nacha compliance section Select one of the three classification options Save your changes. Image 1 of 4 What to fill inAutomatically classify transactions Stripe determines whether each transaction represents a purchase of goods based on available signals such as merchant information and transaction details. This works for most businesses and requires no code changes. Classify all ACH transactions as goods Choose this if you exclusively sell physical or digital products. All ACH transactions are classified as purchases of goods. Do not classify any transactions as goods Choose this if you provide services, accept donations, or collect bill payments rather than selling goods. Next stepOpen your Stripe Dashboard Go to Settings, then Payment, then look for Link Locate the Nacha compliance section Select one of the three classification options Save your changes
All 3 steps in this procedure
  1. Automatically classify transactions Stripe determines whether each transaction represents a purchase of goods based on available signals such as merchant information and transaction details. This works for most businesses and requires no code changes.
  2. Classify all ACH transactions as goods Choose this if you exclusively sell physical or digital products. All ACH transactions are classified as purchases of goods.
  3. Do not classify any transactions as goods Choose this if you provide services, accept donations, or collect bill payments rather than selling goods.

Configure transaction classification in Stripe

  1. Open your Stripe Dashboard 

  2. Go to Settings, then Payment, then look for Link

    Step 2 of 5: Go to Settings, then Payment, then look for Link What this shows Step 2 of 5: Go to Settings, then Payment, then look for Link What this shows Shows where to go for step 2 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". This screenshot accompanies step 2 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". At this point in the walkthrough you go to Settings, then Payment, then look for Link. This part of the guide covers 1 field, listed below. The next step is to locate the Nacha compliance section. Step 2 of 5Image 2 of 4 Where to goGo to Settings, then Payment, then look for Link
    Fields in this part of the guide Locate the Nacha compliance section
    Next stepLocate the Nacha compliance section
    All 5 steps in this procedure
    1. Open your Stripe Dashboard
    2. Go to Settings, then Payment, then look for Link this image
    3. Locate the Nacha compliance section
    4. Select one of the three classification options
    5. Save your changes
    Step 2 of 5: Go to Settings, then Payment, then look for Link What this shows Step 2 of 5: Go to Settings, then Payment, then look for Link What this shows Shows where to go for step 2 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". This screenshot accompanies step 2 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". At this point in the walkthrough you go to Settings, then Payment, then look for Link. This part of the guide covers 1 field, listed below. The next step is to locate the Nacha compliance section. Step 2 of 5Image 3 of 4 Where to goGo to Settings, then Payment, then look for Link
    Fields in this part of the guide Locate the Nacha compliance section
    Next stepLocate the Nacha compliance section
    All 5 steps in this procedure
    1. Open your Stripe Dashboard
    2. Go to Settings, then Payment, then look for Link this image
    3. Locate the Nacha compliance section
    4. Select one of the three classification options
    5. Save your changes

  3. Locate the Nacha compliance section

    Step 3 of 5: Locate the Nacha compliance section What this shows Step 3 of 5: Locate the Nacha compliance section What this shows Shows what this covers for step 3 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". This screenshot accompanies step 3 of 5 in the "Configure transaction classification in Stripe" section of "Configure your Stripe account for Nacha compliance". At this point in the walkthrough you locate the Nacha compliance section. For context, this section explains: Open your Stripe Dashboard Go to Settings, then Payment, then look for Link Locate the Nacha compliance section Select one of the three classification options Save your changes. This part of the guide covers 1 field, listed below. The next step is to select one of the three classification options. Step 3 of 5Image 4 of 4 What this coversLocate the Nacha compliance section
    Fields in this part of the guide Locate the Nacha compliance section
    Next stepSelect one of the three classification options
    All 5 steps in this procedure
    1. Open your Stripe Dashboard
    2. Go to Settings, then Payment, then look for Link
    3. Locate the Nacha compliance section this image
    4. Select one of the three classification options
    5. Save your changes

  4. Select one of the three classification options

  5. Save your changes

FAQ

Does GHL Customer Care make these updates for me

No. These are settings on your Stripe account, so you must update them in Stripe Dashboard.

What should I use as my statement descriptor

Use a name customers will recognize as your business, since that is what appears on bank statements for ACH Direct Debit. (Stripe Docs)

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