ACH Bank Transfer Support on NMI in Sparkforge

By Sparkforge Support Team ·Last reviewed May 3, 2026

ACH on NMI in Sparkforge takes up to 5 business days to settle. Recurring invoices need a saved bank account from a prior invoice payment, and NMI webhooks must be enabled for status updates.

ACH (bank transfer) payments on NMI run through Sparkforge invoices. Below are the most common operator questions about settlement, recurring use, and webhook setup.

Settlement timing

ACH transfers can take up to 5 business days to reach a final status, depending on the payer's bank. The transaction sits in processing until the bank confirms. Best practice: deliver work or service only after the payment status changes to Success.

Enabling ACH on invoices

If ACH is enabled in Labs but the option is not appearing on invoices, confirm ACH is also enabled on the NMI side of the integration. If the issue persists, contact Sparkforge support.

Recurring invoices and subscriptions

In the current V1 release, recurring invoices and subscriptions can only start with a bank account that has already been saved. To save a bank account, collect a one-time payment through an invoice first. Once saved, the bank account is available for recurring debits going forward.

NMI webhook configuration

NMI must send settlement and payment status events back to Sparkforge. In your NMI dashboard, enable the required webhooks pointing to:

https://backend.sparkforgehq.com/payments/nmi/webhook

Refer to NMI's webhook setup documentation for the full list of supported events. Settlement and payment status events are the minimum required for invoice status to update correctly inside Sparkforge.

Frequently Asked Questions

My client paid via ACH but the transaction is still processing. Is that normal?

Yes. ACH transfers can take up to 5 business days to settle, depending on the payer's bank. Wait for the status to change to Success before delivering work.

Why is the ACH option missing from my invoice?

Confirm ACH is enabled in Sparkforge Labs and on the NMI side. If both are enabled and it still does not appear, contact support.

Can I add a bank account to a recurring invoice or subscription directly?

Not in the V1 release. The bank account has to be saved from a prior invoice payment first. After that, it can be selected for recurring debits.

Do I need to configure anything on the NMI side?

Yes. Enable settlement and payment status webhooks in the NMI dashboard, pointing to the Sparkforge NMI webhook URL.

What URL should the NMI webhook point at?

https://backend.sparkforgehq.com/payments/nmi/webhook - configure this in your NMI dashboard.