Configure your Stripe account for Nacha compliance

Modified on: Mon, 23 Feb, 2026 at 11:20 PM

Overview

Stripe is tightening requirements for ACH Direct Debit to align with Nacha operating rules. If you accept US bank account payments through HighLevel using Stripe, you may need to update your Stripe account details so customers can clearly identify your business on bank statements and have a way to contact you. (Stripe) [Nacha compliance]

NOTE - effective 20 March 2026

Who needs to take action?

You have a Stripe account connected to HighLevel and accept ACH Direct Debit or plan to accept US bank account payments
Your subaccount/client who has a Stripe account connected to HighLevel and accepts ACH Direct Debit or plan to accept US bank account payments

What you need to do in Stripe

You must choose how Stripe should classify your bank payment transactions. Stripe provides three options:

Automatically classify transactions
Stripe determines whether each transaction represents a purchase of goods based on available signals such as merchant information and transaction details. This works for most businesses and requires no code changes.
Classify all ACH transactions as goods
Choose this if you exclusively sell physical or digital products. All ACH transactions are classified as purchases of goods.
Do not classify any transactions as goods
Choose this if you provide services, accept donations, or collect bill payments rather than selling goods.

Configure transaction classification in Stripe

Open your Stripe Dashboard
Go to Settings, then Payment, then look for Link
Locate the Nacha compliance section
Select one of the three classification options
Save your changes

FAQ

Does HighLevel make these updates for me

No. These are settings on your Stripe account, so you must update them in Stripe Dashboard.

What should I use as my statement descriptor

Use a name customers will recognize as your business, since that is what appears on bank statements for ACH Direct Debit. (Stripe Docs)