--- updatedAt: 2026-04-29T20:55:02.000Z agentTools: projectIndex: https://docs.skipify.com/llms.txt --- # Pay by Bank Learn how to offer Pay by Bank within the Skipify experience Reach out to your Skipify representative if you would like to learn more about offering Pay by Bank. # Overview Pay by Bank or ACH payments allow shoppers to complete purchases directly through their bank accounts. ACH payments enable merchants to reduce payments costs. Skipify has partnered with Pay by Bank partner(s) to offer this payment method directly within the Skipify experience.

# Merchant Activation Activate your Skipify merchant account by configuring Pay by Bank processing credentials. # Checkout with Pay by Bank Shoppers begin the Skipify checkout experience as normal. Following shopper lookup and successful shopper authentication, Skipify presents payment methods including any in-network bank accounts.

## Manage bank accounts Shoppers can manage their bank accounts directly within the payment carousel or wallet section.

## Link additional bank accounts Shoppers have the option to link or add other bank accounts. ## Payment Submission Upon order completion, the transaction is settled to the account associated to your Pay by Bank processing credentials. These transaction types can be identified by the `paymentMethodType = bank_account` parameter returned in the Skipify [webhooks](https://docs.skipify.com/docs/webhooks#/webhook-request). ## Post Authorization Processing Reach out to your Skipify implementation engineer to learn how to process authorization events (refunds, cancel, etc).