Documenting an ACH Debit Authorization

Ask the provider which authorization process applies

The required process can vary with the type of customer account and the channel used to obtain permission. Ask your bank or ACH provider which enrollment flow it supports, what the customer should see, and what evidence must be retrievable when a debit is questioned.

Connect the evidence to the payment record

• Record the authorization reference, date, approved collection scope, and payment schedule if applicable.
• Keep the provider reference for each debit and its associated order or invoice.
• Confirm where supporting documents live and how they can be shared securely with the provider on request.

Create a clear change and cancellation process

Give support a way to record a customer’s update or withdrawal request and notify the person who manages scheduled debits. Check the provider’s rules before processing a changed amount, schedule, or account. Record which authorization applies and what the customer was told.