Overview
Stripe PAD (ACSS Debit) allows you to process bank account payments for Canadian donors through Stripe.This feature supports instant verification of bank accounts and integrates directly into Payments2Us for recurring or one-off donations.
Stripe Canadian PAD currently works only with Stripe SCA and CAD currency (with limited USD support).
Setup Steps
1. Enable ACSS Debit in Stripe
- Log in to your Stripe account and enable the ACSS Debit payment method.
2. Configure Stripe in Payments2Us
- Follow the setup guide: How to Setup Stripe
- Add “eCheck” as a payment method.
3. Webhook Configuration
- Setting up the Stripe webhook is mandatory for transaction updates and mandate confirmations.
4. Currency and Country Settings
- Stripe Canadian PAD supports CAD (and occasionally USD).
- Make sure your merchant facility currency is set accordingly.
- It’s also recommended to set Default Country = Canada on the stripe merchant facility to ensure correct processing for checkouts and imports.
5. Verification Method
- Currently, only “Instant Verification” is supported.
- Future releases will support both Instant Verification and Verification by Small Deposits.
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Conditions for Stripe Canadian PAD (eCheck)
Payments2Us will automatically decide whether to process via Canadian PAD based on these factors:
| Condition | Required Value |
|---|---|
| Payment Gateway | Stripe SCA |
| Payment Method | eCheck |
| Mailing Country on Payment Txn | Canada or CA |
If all the above are true → Stripe Canadian PAD processing applies.
Checkout Form
- Fill out all the required fields on the payment form.
- The eCheck option appears only when “Monthly” is selected as frequency.
- Click Next to open the Stripe-hosted modal for bank login/entry.
- Once bank details are added:
- A Payment Txn is created (no charge yet).
- The following Stripe values are stored:
| Payments2Us Field | Stripe Value |
|---|---|
| Payment Gateway Profile Id | Stripe Customer ID |
| Billing Token | Stripe Payment Method ID |
| Billing Plan Id | Stripe Payment Method Mandate ID |
- A Recurring Payment is created with the same tokens.
- Next Payment Date defaults to today’s date.
Recurring Payments Processor
When the recurring payments processor runs:
- New Payment Txns are created.
- Status initially set to “eChecking Pending.”
- Stripe webhook updates the status to:
- Receipting Complete (if successful)
- Error (if failed)
Account details are stored as follows:
| Payment Txn Field | Stripe Data |
|---|---|
| Account No. | Last 4 digits |
| BSB No. | Institution No. |
| Routing Number | Transit No. |
| Bank Name | Stripe Bank Name |
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Account Update (Internal & External)
Internal Form
- Clicking Account Update shows a single Next button with a note.
- After clicking Next, the Stripe modal opens to update bank details.
- Once successful, the new Payment Method and Mandate are updated on the Recurring Payment.
External Form
- Tick the Payment Method checkbox, then click Next.
- The Stripe modal opens.
- Add bank details — on success, the Payment Method and Mandate update automatically.
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Import File (Token-Based Import Only)
Naming Convention
Import file mapping name should start with “eCheck -”.
Due to mandate restrictions, Stripe Canadian PAD supports imports only via tokens.
Required Columns
| Column | Description |
|---|---|
| Billing Token | Stripe Payment Method ID |
| Payment Gateway Profile Id | Stripe Customer ID |
| Payer Id | Payment Method Mandate ID (copied to Billing Plan Id on payment txn) |
| Country | Canada or CA (if not set on merchant facility) |
Other columns (e.g. frequency, name, email, amount) can be included as usual.