Configure your Stripe account for Nacha compliance

Who Needs to Take Action?

You need to update your settings if:

• You have a Stripe account connected to Aesthetix and accept ACH Direct Debit, or

• You plan to accept US bank account payments in the future.

This also applies if:

• A sub-account or client connected to Aesthetix uses Stripe and accepts ACH Direct Debit payments.

What You Need to Do in Stripe

You must configure how Stripe classifies your ACH bank payment transactions.

Stripe provides three classification options:

1. Automatically Classify Transactions

Stripe automatically determines whether a transaction represents a purchase of goods based on available signals such as:

• Merchant information

• Transaction details

This option works for most businesses and does not require code changes.

2. Classify All ACH Transactions as Goods

Choose this option if your business exclusively sells physical or digital products.

All ACH transactions will be classified as purchases of goods.

3. Do Not Classify Transactions as Goods

Choose this option if your business primarily:

• Provides services

• Accepts donations

• Collects bill payments

This ensures transactions are not categorized as purchases of goods.

How to Configure Transaction Classification in Stripe

Follow these steps to update your settings:

1. Open your Stripe Dashboard

2. Navigate to Settings

3. Go to Payments

4. Locate the Link section

5. Find the Nacha Compliance section

6. Select one of the three transaction classification options

7. Click Save

Frequently Asked Questions

Does Aesthetix make these updates automatically?

No. These settings must be updated directly in your Stripe Dashboard.
Aesthetix does not manage or modify Stripe account settings.

What should I use as my statement descriptor?

Use a business name that customers will easily recognize.

This name appears on customer bank statements for ACH Direct Debit transactions, so it should clearly identify your business to reduce confusion and disputes.