## Confirm an ACH Direct Debit payment

Use `stripe.confirmUsBankAccountPayment` in the [Accept a payment flow](/payments/ach-direct-debit/accept-a-payment.md) for the [ACH Direct Debit](/payments/ach-direct-debit.md) payment method to record the customer’s authorization for payment.

When you confirm a [PaymentIntent](/api/payment_intents.md), it needs to have an attached [PaymentMethod](/api/payment_methods.md).
We suggest using `stripe.collectBankAccountForPayment`, which automatically collects bank account details and attaches a `PaymentMethod`. You may also choose to reuse an existing `PaymentMethod` or manually collect bank account details  using the `data` parameter. These use cases are detailed in the sections that follow.

`stripe.confirmUsBankAccountPayment` will return a `Promise` which resolves with a result object.
This object has either:

* `result.paymentIntent`: the successfully confirmed [PaymentIntent](/api/payment_intents).
* `result.error`: an error.
  Refer to the [API reference](/api#errors) and our [integration guide](/payments/ach-direct-debit/accept-a-payment) for all possible errors.

**Syntax:** `stripe.confirmUsBankAccountPayment(...)`

- `clientSecret` (string) **required**
  The [client secret](/api/payment_intents/object.md#payment_intent_object-client_secret) of the `PaymentIntent`.

- `data` (object)
  Data to be sent with the request.
Refer to the [Payment Intents API](/api/payment_intents/confirm.md) for a full list of parameters.

  - `payment_method` (object | string)
    The `id` of an existing PaymentMethod or an object of collected data.
See use cases below for details.

### Use case: with an existing PaymentMethod

If you have already created a `PaymentMethod`, you can pass its `id` to `payment_method` when calling `stripe.confirmUsBankAccountPayment`.

### Data argument properties

- `payment_method` (string) **required**
  The `id` of an existing [PaymentMethod](/api/payment_methods.md).

### Confirm with an existing PaymentMethod

```js
stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: '{PAYMENT_METHOD_ID}',
  }
).then(function(result) {
  if (result.error) {
    // Inform the customer that there was an error.
    console.log(result.error.message);
  } else {
    // Handle next step based on PaymentIntent's status.
    console.log("PaymentIntent ID: " + result.paymentIntent.id);
    console.log("PaymentIntent status: " + result.paymentIntent.status);
  }
});
```

```es_next
const {paymentIntent, error} = await stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: '{PAYMENT_METHOD_ID}',
  }
);

if (error) {
  // Inform the customer that there was an error.
  console.log(error.message);
} else {
  // Handle next step based on PaymentIntent's status.
  console.log("PaymentIntent ID: " + paymentIntent.id);
  console.log("PaymentIntent status: " + paymentIntent.status);
}
```

### Use case: with an attached PaymentMethod

If you have successfully called `stripe.collectBankAccountForPayment` or attached a `PaymentMethod` to this `PaymentIntent` already, then you can confirm the `PaymentIntent` without passing in any additional data.

### Confirm with an attached PaymentMethod

```js
stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {}
).then(function(result) {
  if (result.error) {
    // Inform the customer that there was an error.
    console.log(result.error.message);
  } else {
    // Handle next step based on PaymentIntent's status.
    console.log("PaymentIntent ID: " + result.paymentIntent.id);
    console.log("PaymentIntent status: " + result.paymentIntent.status);
  }
});
```

```es_next
const {paymentIntent, error} = await stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {}
);
if (error) {
  // Inform the customer that there was an error.
  console.log(error.message);
} else {
  // Handle next step based on PaymentIntent's status.
  console.log("PaymentIntent ID: " + paymentIntent.id);
  console.log("PaymentIntent status: " + paymentIntent.status);
}
```

### Use case: with self collected bank account information

If you already know the customer’s bank account information, or want to collect it yourself, you can pass them in directly to create a new `PaymentMethod` and confirm the `PaymentIntent`.

### Data argument properties

- `payment_method` (object) **required**
  Pass an object to confirm using data collected.

  - `billing_details` (Object) **required**
    The customer's [billing_details](/api/payment_methods/create.md#create_payment_method-billing_details).
`name` is required. Providing `email` allows your customer to receive [ACH Direct Debit mandate and microdeposit emails](/payments/ach-direct-debit.md#mandate-and-microdeposit-emails).

    - `name` (string) **required**
      The customer's name. The first and last name must be at minimum 2 characters each.

    - `email` (string)
      The customer's email.

  - `us_bank_account` (Object) **required**
    The customer's [bank account information](/api/payment_methods/create.md#create_payment_method-us_bank_account).

    - `account_number` (string) **required**
      The customer’s bank account number.

    - `routing_number` (string) **required**
      The routing number of the customer’s bank.

    - `account_holder_type` (string) **required**
      Account holder type: individual or company.

    - `account_type` (string)
      Account type: checkings or savings. Defaults to checking if omitted.

### Confirm with bank account information

```js
stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: {
      us_bank_account: {
        routing_number: '110000000',
        account_number: '000123456789',
        account_holder_type: 'individual',
      },
      billing_details: {
        name: 'Jenny Rosen',
        email: 'jenny@example.com',
      },
    },
  }
).then(function(result) {
  if (result.error) {
    // Inform the customer that there was an error.
    console.log(result.error.message);
  } else {
    // Handle next step based on PaymentIntent's status.
    console.log("PaymentIntent ID: " + result.paymentIntent.id);
    console.log("PaymentIntent status: " + result.paymentIntent.status);
  }
});
```

```es_next
const {paymentIntent, error} = await stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: {
      us_bank_account: {
        routing_number: '110000000',
        account_number: '000123456789',
        account_holder_type: 'individual',
      },
      billing_details: {
        name: 'Jenny Rosen',
        email: 'jenny@example.com',
      },
    },
  }
);

if (error) {
  // Inform the customer that there was an error.
  console.log(error.message);
} else {
  // Handle next step based on PaymentIntent's status.
  console.log("PaymentIntent ID: " + paymentIntent.id);
  console.log("PaymentIntent status: " + paymentIntent.status);
}
```

### Confirm an ACH Direct Debit payment

```js
stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: {
      us_bank_account: {
        routing_number: '110000000',
        account_number: '000123456789',
        account_holder_type: 'individual',
      },
      billing_details: {
        name: 'Jenny Rosen',
        email: 'jenny@example.com',
      },
    },
  }
).then(function(result) {
  if (result.error) {
    // Inform the customer that there was an error.
    console.log(result.error.message);
  } else {
    // Handle next step based on PaymentIntent's status.
    console.log("PaymentIntent ID: " + result.paymentIntent.id);
    console.log("PaymentIntent status: " + result.paymentIntent.status);
  }
});
```

```es_next
const {paymentIntent, error} = await stripe.confirmUsBankAccountPayment(
  '{PAYMENT_INTENT_CLIENT_SECRET}',
  {
    payment_method: {
      us_bank_account: {
        routing_number: '110000000',
        account_number: '000123456789',
        account_holder_type: 'individual',
      },
      billing_details: {
        name: 'Jenny Rosen',
        email: 'jenny@example.com',
      },
    },
  }
);

if (error) {
  // Inform the customer that there was an error.
  console.log(error.message);
} else {
  // Handle next step based on PaymentIntent's status.
  console.log("PaymentIntent ID: " + paymentIntent.id);
  console.log("PaymentIntent status: " + paymentIntent.status);
}
```