Our system needs to create an Order via the Square Orders API. Then, create and publish an Invoice for that order ID via the Square Invoices API in order to accept ACH payments. It needs to utilize BANK_ON_FILE as the automatic_payment_source, and the accepted_payment_methods will be set as {“card”: false, “square_gift_card”: false, “bank_account”: true}. We need Square to automatically charge (via ACH) the customer’s bank account on file on the invoice due_date.
Our client (the Square merchant) has Square customers with recurring monthly payments, and line items and amounts can vary monthly. The client has authorization from their Square customers to charge variable amounts via ACH from the bank, routing and account number provided by each customer. Our system generates a Square order with the correct line items monthly to be automatically charged on the first of the next month. Payment calls to charge the card on file work well to accomplish this automation via Square’s API, and we need similar functionality with ACH as the payment source.
It seems automatic invoice payments (and calls in the Payments API) via ACH using bank info on file for recurring invoices that can have variable line items and totals due is not currently available using the API. Does an alpha or beta test group exist that is allowed access to this functionality?
Currently, as you mentioned bank account on file to process payments like a card on file with varying amounts each month isn’t currently available. This is a very popular feature request and we hope to have more options for you soon, so thanks for your continued patience.
As of now, the bank-on-file process is working in the Square API. I need to process payments using any available flow (Checkout API, Payment Invoice, or Subscription). Is the bank-on-file process available as a preset option right now?
I have already tried all three methods but am facing issues with recurring payments through ACH. Could you suggest how to handle this flow for recurring payments via ACH?
At this time ACH recurring payments is only available with Invoices created in the Dashboard. We’re constantly working to improve our features based on feedback like this, so I’ll be sure to share your request to the API product team.
Can we work with the API, or do we need to create it manually from the Square web portal?
Could you share some resources? I couldn’t find any resources related to the API for bank on file or ACH. I have already implemented the card on file process.
We need to develop an ACH recurring payment system via API, and it’s urgent for integration with our client application.
I have already explored a solution using Square for ACH recurring payments through the “bank on file” process, but I haven’t found a complete solution yet. How can I manage this project requirement to ensure it gets developed and integrated into our portal?
Workaround for ACH Auto-Pay in Square
If you want to implement ACH auto-pay in Square, you would need to:
Store the tokenized bank account details in your system.
Create a Custom Recurring Billing System:
Build a custom system to track upcoming invoices and payment schedules.
Use Square’s API to initiate ACH payments for each invoice when it becomes due.
Handle Payment Retries and Failures:
Implement logic to retry failed payments and notify customers of payment issues.
I have researched all of this but haven’t been successful yet. It has left me wondering why I haven’t been able to develop this recurring payment system.
Could you suggest the best approach to address this issue?
Currently, as you mentioned bank account on file to process payments like a card on file with varying amounts each month isn’t currently available. This is a very popular feature request and we hope to have more options for you soon, so thanks for your continued patience. 
