# Direct debits

Allow others to debit your financial account through ACH in the US or Bacs in the UK.

Use your *financial account* (You can use a financial account to store, transfer, convert, or spend funds) details to make one-time or recurring payments to external parties through ACH in the US or Bacs in the UK. ACH Direct Debits are in public preview for US financial accounts. Bacs Direct Debits are in private preview for UK financial accounts.

## How Direct Debits work

To let a business debit your financial account, open the [Treasury](https://dashboard.stripe.com/treasury) page in the Dashboard and select the financial account you want to use. Select **View account details**, then share the displayed bank account information with the business initiating the debit. Stripe emails you when the debit settles.

To view the transaction, open the financial account and review **Recent activity** on the Treasury page.

## Manage ACH Direct Debits (US only)  (Public preview)

ACH debits are enabled by default for USD financial accounts. For each financial account, you can turn ACH debits on or off, set transaction limits, and control which vendors (businesses or service providers) can pull funds.

To open the ACH debit settings:

1. On the [Treasury](https://dashboard.stripe.com/treasury) page, select the USD financial account.
2. Click **More**, then select **ACH Direct Debits**, which opens the settings dialog.

Changes apply only to the financial account you selected.

### Turn ACH debits on or off

To completely disallow ACH debits, turn off **Allow ACH debits**. This also blocks debits from vendors you have saved to your list. Any upcoming or scheduled debits fail.

You can turn ACH debits back on at any time. Stripe saves your previous vendor list and transaction limits.

### Set a default transaction limit

By default, each ACH debit is limited to 50,000 USD. You can change the default transaction limit to any amount up to 500,000 USD. The default transaction limit applies to every permitted vendor that doesn’t have its own limit. If you allow only listed vendors, Stripe blocks debits from unlisted vendors regardless of the default limit. Stripe blocks debits that exceed the applicable limit.

To set the default limit, select **Set a default debit limit**, enter an amount, and click **Save**. Clear the checkbox to remove your configured default limit.

### Manage vendors

Create a vendor list to set vendor-specific limits or configure which vendors are allowed to debit the account.

To add your first vendor:

1. In the **Manage ACH debit settings** dialog, click **Create** under **Vendor list**.
2. In the **Create vendor list** dialog, select how you want to use the list:
   - Select **Approve listed vendors** to allow only listed vendors to debit the account. Use this if you know all of the vendors you expect to debit your account.
   - Select **Set debit limits for listed vendors** to set vendor-specific limits while continuing to allow unlisted vendors to debit the account. Use this if you want to set limits for certain vendors without fully restricting your account to that list.
3. Click **Continue**.
4. In the **Add vendor** dialog, enter the **Vendor or service provider name**.
5. Enter the vendor’s **ACH Company ID**. The ID can contain 10 letters or numbers.
6. (Optional) Turn on **Set a limit for each debit** and enter an amount up to 500,000 USD. A vendor-specific limit overrides the default transaction limit.
7. Click **Add vendor**.
8. On the **Vendor list** page, add any other vendors, then click **Done**.

After you create a vendor list, **Manage ACH debit settings** shows how many vendors have their own debit limits or how many vendors are allowed to debit the account.

To manage an existing vendor list, click **Edit** in the **Manage ACH debit settings** dialog. On the **Vendor list** page, you can change what the list does and add, edit, or remove vendors.

### Allow listed vendors only

Stripe blocks ACH debits from vendors that aren’t on your vendor list when you configure the list to approve listed vendors. Before selecting this option, add every vendor you expect to debit the account to avoid missed payments.

When creating a vendor list, select **Approve listed vendors** in the **Create vendor list** dialog.

To change an existing vendor list:

1. In the **Manage ACH debit settings** dialog, click **Edit**.
2. On the **Vendor list** page, select **Approve listed vendors**.
3. Click **Done**.

To allow unlisted vendors to debit the account again, select **Set debit limits for listed vendors**. The default transaction limit applies to unlisted vendors, and listed vendors keep their vendor-specific limits.

### Test debits in a sandbox

In a sandbox, you can simulate an ACH debit to test your transaction limits and vendor list settings.

In the **Manage ACH debit settings** dialog:

1. Under **Sandbox shortcut**, enter an optional **ACH company ID**.
2. Enter the **Debit amount**.
3. Click **Simulate debit**.

Use the simulation to verify whether Stripe allows or blocks the debit under the financial account’s current ACH debit settings.

### Dispute an ACH debit

If you don’t recognize an ACH debit transaction, you can dispute it in the Dashboard within one business day of the settlement date.

To dispute a debit transaction:

1. On the [Treasury](https://dashboard.stripe.com/treasury) page, select the debit transaction.
2. Click **Dispute**.
3. Click **View dispute** to review the details of the disputed transaction.

To dispute a debit transaction later than one business day after its settlement date, [contact support at treasury-support@stripe.com](mailto:treasury-support@stripe.com).

## View and manage Bacs Direct Debits (UK only)  (Private preview)

If you have a UK financial account, go to the [Direct debits](https://dashboard.stripe.com/direct-debits) page in the Dashboard to see all the direct debits set up on your financial account.

Click **Cancel** next to a direct debit to prevent that party from debiting your financial account again.

### Dispute a Bacs debit

If you don’t recognize a Bacs debit transaction, [contact support at treasury-support@stripe.com](mailto:treasury-support@stripe.com) to dispute it.

### Request access to direct debits (UK)

### Enable debiting a financial account with Bacs

Enter your email to request access.

```bash
curl https://docs.stripe.com/preview/register \
  -X POST \
  -H "Content-Type: application/json" \
  -H "Referer: https://docs.stripe.com/treasury/direct-debits" \
  -d '{"email": "EMAIL", "preview": "received_debits_treasury_preview"}'
```