If your customers are experiencing delays when paying by bank transfer (ACH), this is typically related to the bank verification process managed by Stripe, not BriteBiz.
Why is my customer being asked to verify their bank account?
When a payment is initiated through BriteBiz using ACH (bank transfer), Stripe manages all bank verification and payment processing steps after the transaction begins.
In some situations, Stripe requires an additional verification step called micro-deposit verification to confirm that the customer owns the bank account being used.
This may occur when:
The customer’s bank is not fully integrated with the ACH network
Stripe needs to confirm ownership of the bank account
Additional fraud prevention checks are required
What is micro-deposit verification?
Micro-deposit verification is a security process used by Stripe to confirm a customer’s bank account.
During this process:
Stripe sends two small deposits to the customer’s bank account.
The customer checks their bank account for the deposit amounts or verification code.
The customer enters the amounts in Stripe to verify their account.
Once confirmed, the payment continues processing.
Because the deposits must appear in the customer’s bank account first, this process can take several business days depending on the bank.
Why does this sometimes take a week?
ACH payments can take longer if:
The customer’s bank processes deposits slowly
The customer delays confirming the micro-deposits
The bank requires additional authentication
Until verification is completed, Stripe cannot finalize the payment.
Does BriteBiz control this process?
No. BriteBiz only initiates the payment request.
All ACH payment verification and processing timelines are handled entirely by Stripe and the customer’s bank. This means BriteBiz cannot modify, speed up, or bypass the verification process.
Can this verification step be avoided?
In most cases, Stripe automatically selects the fastest available verification method. However, if you believe your account is experiencing frequent delays, you may want to contact Stripe directly to review your payment settings.
Learn More
Stripe provides additional details about this verification process here:
https://stripe.com/ie/resources/more/what-is-micro-deposit-verification-here-is-how-it-works