Skip to main content

Zuora's Bank Account Verification for ACH

Zuora

Zuora's Bank Account Verification for ACH

  1. Last updated
  2. Save as PDF

Zuora’s Bank Account Verification (BAV) is an add-on feature powered by Stripe Financial Connections. This feature enables merchants to securely verify a subscriber’s bank account and check real-time balances during payment processing using Zuora’s Hosted Payment Pages. Contact your Zuora account team to learn the pricing and enable this feature in your tenant. 

This feature offers you the following benefits:

  • Instant ACH account verification
  • Proactive balance checks before payment runs to avoid NSF fees
  • Works with any existing ACH-supported gateway in Zuora
  • Secure, compliant user experience embedded in Zuora’s HPM
  • Does not require a Stripe account since it is managed by Zuora
  • Reduces collections overhead and improves cash flow predictability

When BAV is enabled, it leverages Stripe Financial Connections to streamline how ACH payment methods are collected and verified. During payment setup or processing, subscribers are prompted through a secure, embedded flow within Zuora’s Hosted Payment Pages (HPM) to log in to their bank and confirm account ownership. Stripe returns account metadata to Zuora, eliminating the need for manual routing and account number entry while ensuring accuracy and compliance. 

In addition, BAV supports Balance Refresh, an optional add-on feature that enables Zuora to perform real-time available balance checks on the subscriber’s bank account before processing an ACH payment.

Configuring Bank Account Verification

Prerequisites

  • Must use Zuora-hosted payment page
  • The payment gateway must support ACH payment processing
  • Contact your Zuora account manager for details on pricing and to enable this feature 

Enabling Bank Account Verification

To enable Bank Account Verification (BAV) for your tenant:

  1. Navigate to Settings  > Payments > Account Validations.
  2. From the Service Provider drop-down field, select Stripe.

Account Verification is enabled by default. If you disable account verification, you will not be able to configure your HPM to use the verification flow.

  1. (Optional) Enable Balance Refresh by selecting the Balance Refresh radio button.
  • This option is available only if you have purchased the balance refresh add-on through Zuora.
  • When enabled, Zuora will automatically perform a real-time balance check during payment processing via payment runs to confirm sufficient funds before initiating the ACH transaction.
  • If you disable this option, the account will still be verified, but no balance check will be performed.

The Balance Multiplier field is configured to 1.50 by default. 

Important:

  • If you choose to disable balance refresh, ACH payment methods can still be collected and verified, but Zuora will not proactively validate available funds before processing the payment.
  • Balance Refresh is available only for bank accounts verified through the BAV feature. 
  • Once enabled, all payment runs with a verified ACH payment method will have a balance refresh performed.

Modifying HPM for ACH Verification

To modify the Hosted Payments Method for ACH Verification, complete the following steps:

  1. Navigate to Payment Settings > Setup Payment Page.
  2. Create a new HPM page for Bank Transfer - ACH or select an existing HPM page for Bank Transfer - ACH. To create a new HPM page, see Configure Bank Transfer type Payment Pages 2.0.

How Balance Refresh works

If you have purchased the Balance Refresh add-on, Zuora automatically performs a balance refresh on the verified bank account before ACH payments are processed. Balance Refresh is triggered during payment run execution, and verified ACH payments are processed. The Balance Refresh process is triggered during payment run execution and works as follows:

  • For each verified ACH account, Zuora compares the available account balance to the configured sufficient balance multiplier. 
  • If the available amount meets or exceeds the multiplier threshold, the payment is processed as expected. 
  • If the available balance falls below the multiplier threshold, Zuora creates a payment transaction with an error status and does not send the payment to the gateway for processing. 

This ensures merchants proactively avoid insufficient fund failures, reducing unnecessary gateway fees and making informed payment processing decisions.