Accept ACH Bank Transfers Into Your Mercury Account

Customers pay by ACH transfer straight into your Mercury business account, and orders confirm automatically when the money arrives.

Everything You Need to Take ACH Payments

Bank-to-bank payments for your store, matched to orders and confirmed automatically.

ACH Bank-to-Bank Payments
Customers pay from their bank account into yours, with no card network involved.
Mercury-Hosted Invoice Pay Page
On a paid Mercury plan, the plugin creates an itemized invoice and sends the customer to Mercury's pay page. The order confirms when Mercury marks it paid.
Free-Plan Reconcile Mode
On Mercury's free plan, show your account and routing details at checkout. The plugin matches incoming transfers by amount and the order reference in the memo.
Auto Mode
Set mode to Auto and the plugin checks whether hosted invoicing is available on your account and uses the right flow.
Automatic Order Confirmation
A scheduled task checks pending orders against your Mercury account. Matched transfers update the order status and send the confirmation email.
Webhook-Accelerated Confirmation
When Mercury reports a new transaction, the plugin checks pending orders right away instead of waiting for the next scheduled run.
One-Click Admin Confirmation
If a transfer arrives with an unclear reference, paste its transaction ID into the order sidebar and click Confirm.
Live Account Picker in Settings
Your Mercury accounts load in the plugin settings so you can pick where payments land.
Surcharges, Geo-Zones & Order Limits
Add a named transfer fee (percentage + fixed). Restrict the payment option by region. Set minimum and maximum order amounts. Only show ACH to the customers and orders where it makes sense.

Hosted Invoices or Matched Transfers

On a paid plan the plugin uses Mercury invoices, and on the free plan it matches transfers. Auto mode detects your plan and remembers the result.

Hosted invoice with Mercury-branded pay page (paid plan)
Account/routing display with automatic transfer matching (free plan)
Auto mode silently detects and falls back — one setting covers both
Optional card payment on invoice when Stripe is connected to Mercury

Transfers Matched to Orders Automatically

Each scheduled run checks your Mercury transactions. Transfers that match the amount and memo reference confirm the order, and amount-only matches are flagged for review.

Inbound transfer matches amount + memo reference → auto-confirmed
Amount-only matches flagged for review — no false positives
Webhook acceleration: sweeps orders on Mercury transaction signal
Transaction ID recorded on the order for your audit trail

Add ACH Bank Transfers to Your Checkout

Accept bank transfers into your Mercury account with automatic order confirmation.

ACH Bank-to-Bank Payments
Mercury-Hosted Invoice Pay Page
Free-Plan Reconcile Mode

Use Cases

ACH for Large Wholesale Orders

B2B Wholesale Supplier

A kitchen equipment wholesaler with $3,000 to $15,000 orders offers ACH at checkout. Buyers pay on Mercury's hosted page and orders confirm automatically.

Matched Transfers on the Free Plan

Digital Services Studio

A web studio on Mercury's free plan asks clients to put their project reference in the memo, and the plugin confirms each order when the transfer matches.

ACH and Card on the Same Checkout

Specialty Retailer

An outdoor retailer connects Stripe to Mercury so its hosted invoices accept both ACH and card.

Distributor With Regional Restrictions

A US-based distributor needs ACH payments shown only to US billing addresses. They configure a US geo-zone restriction. Customers outside the US don't see the payment option at checkout. No manual filtering, no customer service calls about why a payment method isn't showing. The option appears for the right customers and stays invisible for everyone else.

Full Testing Before Going Live

Cautious Merchant

A merchant tests invoices, transfer matching and order confirmation with Mercury sandbox credentials, then switches to live.

Languages

Translated into 21 languages.

Arabic Unitag ar-AA
Chinese, Traditional zh-TW
Danish da-DK
Dutch nl-NL
English (United Kingdom) en-GB
English (United States) en-US
Finnish fi-FI
French fr-FR
German de-DE
Greek el-GR
Hebrew he-IL
Italian it-IT
Japanese ja-JP
Norwegian Bokmål nb-NO
Polish pl-PL
Portuguese, Brazil pt-BR
Portuguese, Portugal pt-PT
Russian ru-RU
Spanish es-ES
Swedish sv-SE
Turkish tr-TR

Reviews

Customer Rating

No reviews yet

Every review comes from a licensed customer and appears exactly as written.