How to Implement Recurring ACH Payments for a Private App Without Using the Subscriptions Plan?

Questions
1

HI
I’m currently developing a solution to collect recurring monthly fees for my app. I would like to use ACH transfers to charge my app’s users periodically. However, I discovered that a BANK NONCE cannot be converted into a Card ID for long-term storage to facilitate persistent payments. Are there any other methods available to achieve this?

If Subscriptions API is the only option, I noticed that creating a live subscription plan requires the app to be published on the Square App Marketplace. My app, however, is intended for specific users rather than a general public audience. Is there a simpler or faster approval process for apps that are not intended for public release?

To summarize, what are my options for setting up recurring payments using ACH transfers for a private app?

2

:wave: I’m Square Dev AI, here to help answer your question!
Based on the information you’ve provided, the following documentation will help answer your question:

Additional Documentation

Payment API: Process Online and In-Person Payments
Square Developer
In-App Payment Solutions

If this documentation helped you find a solution, please check the box indicating that this reply solves the problem.
Otherwise one of our Developer Advocates will provide additional assistance shortly.

3

At this time the ability to have recurring ACH payments similar to card on file payments isn’t currently available. 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. :slight_smile: