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How do I set up ACH direct deposit to pay vendors? (Store Owners)

Set up ACH direct deposit to pay vendors with SyncroPay/SyncroACH (powered by Moov): onboarding, Payouts Enabled, and stores still on Stripe.

Stores are moving vendor ACH payouts and vendor invoicing from Stripe to SyncroPay/SyncroACH (powered by Moov), which runs inside Syncrostore. SyncroPay/SyncroACH is being rolled out in stages (it started as a pilot in September 2026), so many stores still use Stripe. Stripe will be decommissioned on January 1, 2027: it gets no new features, but the Stripe workflow is supported until then. Syncrostore support turns SyncroPay/SyncroACH on for your store during an onboarding call. If you're still on Stripe, see If your store still uses Stripe at the bottom.

Who this is for: Store admin / store owner

These steps use the New Experience. If your menu looks different, click Switch to New Experience (Beta) at the top of the page.

Set up SyncroPay/SyncroACH

  1. Ask support to start SyncroPay/SyncroACH onboarding. Email support@syncrostore.com. Support sends an onboarding link and schedules a call to walk you through setup and your first reconciliation.
  2. Complete the SyncroPay/SyncroACH (Moov) business onboarding form. The onboarding link shows pricing before you agree; see SyncroACH pricing and details. Your store may choose to absorb vendor fees. Moov asks for supporting documents, usually about 3 months of bank statements (not card-processing statements). If your store is too new to have 3 months of statements, upload a short note explaining that. Screenshot: SyncroPay/SyncroACH onboarding form, highlight the document upload step
  3. Connect the store's bank account. SyncroPay/SyncroACH uses a digital wallet that pulls settlement funds from this account and pays them out to vendors. You don't need to pre-fund it or keep a balance in the wallet: when you send payouts, the pull from your bank account starts automatically.
  4. Have your vendors link their own bank accounts. Each vendor connects and verifies their bank under avatar > Settings > Payments & Banking, in the SyncroPay direct deposit card (Set Up Direct Deposit, then Link Bank Account). Verification uses micro-deposits. Syncrostore shows vendors in-app reminders that take them to this page. Support can't enter bank details for anyone. Point vendors to the vendor direct-deposit article and the bank-linking video (youtu.be/kRFDtpNxSnk).
  5. Track which vendors are ready.
    • Go to People > Vendors and click the Needs direct deposit setup chip. The Account column shows each vendor's direct deposit status.
    • Your Home page lists Vendors not set up for direct deposit under Needs attention.
    • A vendor's own page (View > Overview, Business details) shows Direct deposit. Screenshot: People > Vendors with the Needs direct deposit setup chip and the direct deposit pill in the Account column highlighted
  6. Pay settlements. Generate settlements as usual on Money > Settlements. Generating a settlement doesn't lock in a payment method. On Money > Checks & ACH, the ACH payouts sub-tab has Pay all eligible by ACH, and the Settlement runs tab has Print check and Send ACH on each settlement. You can mix the two methods. A settlement already paid by ACH can't also be printed as a check. Screenshot: Checks & ACH tab, ACH payouts sub-tab with Pay all eligible by ACH highlighted

SyncroPay/SyncroACH FAQ

Do vendors' Stripe autopay settings carry over? No. Every vendor must turn automatic payments on again in SyncroPay/SyncroACH, under Settings > Payments & Banking (Auto-invoicing account, then Save Auto-Invoicing).

Why did a vendor with autopay get an emailed invoice? When an automatic debit can't be made (no valid payment method, or the debit fails), the system falls back to emailing that vendor an invoice. An invoice is a snapshot of the vendor's balance at the moment it was sent; later sales or charges aren't reflected on it.

How do invoices work for vendors whose sales don't cover rent? After settlements, send invoices from Money > Invoicing: on the Send invoices sub-tab, click Preview vendors to invoice, then Send invoices. Vendors with automatic payments on are debited instead. If SyncroPay/SyncroACH invoices weren't sent through the system for a cycle, collect that cycle the way you normally do.

A vendor has a positive balance at one of our stores and a negative balance at another. At settlement, positive balances under the same login email are applied to negative balances at the vendor's other stores. Only the remaining amount is paid out or invoiced.

Can vendors pay old Stripe invoices with their SyncroPay/SyncroACH bank account? No. They're separate systems. Old Stripe invoices must be paid in Stripe or collected another way, such as at the register.

Should vendors delete their Stripe bank details? No. Support recommends keeping them until Stripe is decommissioned on January 1, 2027. It does no harm, and a vendor who deletes them while your store still pays through Stripe would need to be paid by check.

Can we go back to Stripe? Stripe is supported until it is decommissioned on January 1, 2027, so your store can keep using the Stripe workflow until then. It gets no new features, and it can't be used after that date.

Troubleshooting

  • "ACH Payments Not Available" on the Stripe tab. Stripe ACH is being discontinued for stores moving to SyncroPay/SyncroACH. Contact support to schedule SyncroPay/SyncroACH onboarding.
  • Document upload fails during onboarding. Refresh the page or log out and back in, then try again. If it still fails, send the file to support.
  • Vendors see "could not generate a terms of service token" or "could not load terms of service". This is usually a store-level SyncroPay/SyncroACH configuration issue that support fixes. Report it to support, then have vendors refresh the page.
  • A vendor's bank verification is locked. Support can unlock it.
  • A vendor isn't verified by payout day. Pay that vendor by check this cycle. They can switch to ACH next cycle once verified.

If your store still uses Stripe

Your Stripe setup keeps working until your store is onboarded to SyncroPay/SyncroACH, or until Stripe is decommissioned on January 1, 2027, whichever comes first. Stripe setup still uses the classic pages.

  1. Click your avatar > Settings, then Classic profile page, and scroll to ACH Settlements.
  2. Click Connect with Stripe (or Setup Direct Deposit) and complete verification on Stripe's site.
  3. Go to Settings > Store settings, open the Settlements tab, and enter your Stripe Publishable Key and Secret Key. If the ACH balance shows ERROR, the stored secret key doesn't match your Stripe key. Re-enter it or contact support.
  4. Stripe does not pull money from your bank automatically. Fund your Stripe balance before paying vendors; top-ups take about 5 business days. See the Stripe section of "How do I pay vendors after running settlements? (checks or ACH)".
  5. Vendors link their bank for payouts through Stripe from avatar > Settings > Payments & Banking (ACH Direct Deposit, which opens the Stripe setup). Stripe ACH payouts take 3-5 business days.