> ## Documentation Index
> Fetch the complete documentation index at: https://alguna.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# ACH Payments

> Learn how to connect direct debit with Alguna

Alguna provides native ACH payment processing:

* Use ACH payments in the native checkout provided by Alguna
* Automatically collect payments for recurring invoices
* Automatically mark invoices as paid and send receipts from Alguna once the payment is collected

<Note>Only applies to US based customers</Note>

## Setup

During onboarding you can opt into using direct ACH payments directly via Alguna.

## Requirements

Every customer created in Alguna would need to add:

* Account Holder Name
* Routing Number
* Account Number

## Overview

### Verification Flow

* During the first payment interaction, Alguna runs the banking details verification process.
  * If the customer is RTP/FEDNow eligible, we will return the verification within 5-6 seconds.
  * If the customer is not RTP/FEDNow elibigle, the verification can take up to 3 business days.

### Payment Collection Flows

* When using self-sign up checkout, and customer chooses a bank transfer.
* When collecing billing information from a customer and saving their default payment method.
* In recurring and one-off payment invoices without any customer input needed if a payment method is saved.

### Unsuccessful Payments and Retries

When an automatic payment fails:

1. Alguna sends a failed payment notification to the customer.
2. Alguna retries the payment based on the agreed failed payment recovery (e.g. 1 / 3 / 5 days).
3. Depending on the failed reason, Alguna will send an update payment method request email.
4. If none of the above work, Alguna will send a direct link to the unpaid invoice.

## Disconnect

Please send a request to [support@alguna.io](mailto:support@alguna.io) for any disconnections. This is to make sure that we can safely follow the disconnection process without any impact on your existing data.