# Request: enable bank-on-file ACH (CreateBankAccount + RECURRING\_CHARGE) for production app

**URL:** <https://developer.squareup.com/forums/t/request-enable-bank-on-file-ach-createbankaccount-recurring-charge-for-production-app/28100>\
**Category:** Questions\
**Created:** [October 5, 2026, 1:24pm UTC](https://developer.squareup.com/forums/t/request-enable-bank-on-file-ach-createbankaccount-recurring-charge-for-production-app/28100 "2026-10-05T13:24:49Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![jakeshairchair](https://avatars.discourse-cdn.com/v4/letter/j/b5ac83/32.png) [@jakeshairchair](https://developer.squareup.com/forums/u/jakeshairchair)\
**Post date:** [October 5, 2026, 1:24pm UTC](https://developer.squareup.com/forums/t/request-enable-bank-on-file-ach-createbankaccount-recurring-charge-for-production-app/28100/1 "2026-10-05T13:24:49Z")

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Hi Square team,

I’m the developer of Booth Brother, a shop-management app for booth-rental barbershops (production Application ID `sq0idp-2Bc4d-BxNAbek1V66kpsWw`). Each shop connects its own Square account through OAuth.

We want renters (the barbers who rent a chair) to be able to pay their booth rent to the shop by ACH from a bank they save once, instead of entering their bank details every time. Our flow:

1. The renter links their bank with the Web Payments SDK ACH (intent `STORE`), and we call `CreateBankAccount` to save it on a Square customer in the shop’s account.
2. The renter authorizes rent payments (`RECURRING_CHARGE`), and we charge the stored bank account with `CreatePayment`. The renter controls the amounts and can stop at any time.

When a shop authorizes our app with `BANK_ACCOUNTS_WRITE` in the requested scopes, the token comes back with every other permission we asked for, but not `BANK_ACCOUNTS_WRITE`.

Could you please, in production:

- enable `BANK_ACCOUNTS_WRITE` / `CreateBankAccount` for this application, and
- add it to the allowlist for ACH `RECURRING_CHARGE` (bank on file)?

If there’s an application or review process we should go through instead, please point us to it. Until then, we’re using Invoices with bank transfer and “save payment method”.

Thanks,  
Jacob Benedict

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<div class="post-metadata">

**Author:** ![jaeha](https://avatars.discourse-cdn.com/v4/letter/j/ebca7d/32.png) [@jaeha](https://developer.squareup.com/forums/u/jaeha)\
**Post date:** [October 5, 2026, 8:35pm UTC](https://developer.squareup.com/forums/t/request-enable-bank-on-file-ach-createbankaccount-recurring-charge-for-production-app/28100/3 "2026-10-05T20:35:43Z")

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Hi Jacob,

Thanks for the detailed description here.

Have you tried calling `CreateBankAccount` endpoint? I was told that you’d be able to make the call successfully even though `BANK_ACCOUNTS_WRITE` access doesn’t seem to be returned when requesting scopes. This way, you should be able to `STORE` the bank account and charge it for one-off transactions.

We’re no longer accepting applicants for the recurring ACH beta. The team expects a launch in early 2027, but that timing and your app’s eligibility aren’t guaranteed.