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Jun 25, 2025 09:35 PM
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Squarespace
payment integration
ACH payments
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Enable ACH payments on Squarespace to reduce transaction fees for transactions over $250. The setup involves toggling ACH Direct Debit in payment settings, with a 1% processing fee and a processing time of 4-5 business days.
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How to Set Up ACH Payments on Your Squarespace Site
Enable ACH payments on Squarespace to reduce transaction fees.
TL;DR: Key Points
- ACH payments allow direct bank transfers, reducing processing fees for large transactions
- These payments are restricted to transactions over $250 and can't be used for subscription products
- The setup process involves toggling ACH Direct Debit in the Squarespace payments settings
- ACH transactions take 4-5 business days to process with a 1% processing fee applied
What are ACH Payments?
Automated Clearing House (ACH) payments offer a solid way for customers to pay directly from their bank accounts, bypassing credit cards or external payment processors. Used within the US, ACH is a network that handles bank-to-bank transactions. This payment method works particularly well for large orders because of reduced processing fees.
Setting Up ACH Payments on Squarespace
To let your customers use this payment method, follow these steps:
Prerequisites for ACH Payments
- Check your eligibility: Make sure you have an active Squarespace Payments account with a connected US bank account
- Transaction minimum: ACH payments require a minimum transaction amount of $250
Activating ACH Payments
- Go to Settings: From your Squarespace dashboard, access the Settings panel
- Manage payment settings: Click on 'Accept Credit Cards and More' followed by 'Manage Settings'
- Adjust payment methods: Select the 'Payment methods' tab within the 'Manage Squarespace Payments' section
- Enable ACH Direct Debit: Find the option for 'Bank debits' and toggle the switch next to ACH Direct Debit to turn it on
How Customers Can Pay with ACH
Once enabled, your checkout process will include an option for customers to pay using their US bank accounts. This process involves them choosing ACH as their payment method during the purchase, creating a straightforward transaction directly from their bank.
Fees and Processing Time
Processing fees: Squarespace charges a 1% processing fee for ACH transactions, which is typically better than credit card fees.
Timing: ACH payments and any refunds generally process within 4-5 business days. During this time, the payment status shows as "in progress," and orders are "pending" fulfillment. Successful transactions update to a "paid" payment status and "fulfilled" fulfillment status. Failed transactions are marked as "canceled."
Pixelhaze Tip:
While setting up ACH payments, review your typical transaction amounts and product types (one-time vs. subscription) to work out if ACH will benefit your business.
FAQs
Can I accept ACH payments with Squarespace Payments outside of the US?
No, ACH payments are strictly available for transactions within the US.
Are there any transaction limits for ACH payments on Squarespace?
Yes, ACH payments only work for transactions of $250 or more.
How long does it take for ACH transactions and refunds to process on Squarespace?
ACH transactions and refunds usually take four to five business days.
Jargon Buster
Squarespace Payments: This is Squarespace's own service for handling payments made through websites hosted on their platform.
ACH Payments: These are transactions made through a network that allows money to move directly between banks in the US.
Processing Fee: This is a small charge by Squarespace to handle moving the money from the buyer's to the seller's account.
Subscription Products: These are goods or services bought recurrently, scheduled to be paid periodically (like monthly or annually).
Wrap-up
Setting up ACH payments on your Squarespace site could save you money, especially if your business handles large transactions. By enabling this payment method, you'll likely save on processing fees and offer your customers another convenient way to pay. Just keep in mind the limitations around transaction minimums and product types to make the most of this feature.