Configure Stripe for Nacha ACH Compliance in Sparkforge

Stripe is tightening ACH Direct Debit requirements to match Nacha operating rules. If your Sparkforge account uses Stripe to accept US bank payments, update your Stripe settings so customers can identify your business on bank statements and reach you when they have questions.

Effective date: 20 March 2026.

Who needs to act

• Accounts with Stripe connected to Sparkforge that accept (or plan to accept) ACH Direct Debit or US bank account payments.
• Subaccounts and clients in the same situation.

Choose a transaction classification

Stripe requires you to declare how it should classify your bank payment transactions. Pick one of the three options below.

• Automatically classify transactions — Stripe decides per transaction based on merchant and transaction signals. Works for most businesses; no code changes.
• Classify all ACH transactions as goods — choose this if you exclusively sell physical or digital products.
• Do not classify any transactions as goods — choose this if you provide services, accept donations, or collect bill payments.

Configure the setting in Stripe

1. Open your Stripe Dashboard.
2. Go to Settings > Payment and look for Link.
3. Locate the Nacha compliance section.
4. Select one of the three classification options.
5. Click Save.

Statement descriptor

Use a name customers will recognize as your business. The statement descriptor is what shows up on bank statements for ACH Direct Debit, so a clear, on-brand descriptor reduces disputes and chargebacks.