Why do I get an error linking my bank in SyncroPay/SyncroACH?
Fix terms of service token, canceled bank linking, savings account and VPN errors.
Most SyncroPay/SyncroACH linking errors are caused by a VPN or old browser data, a savings account, or a typo in your name, and a few need Syncrostore support to reset your setup.
Who this is for
- Vendors setting up SyncroPay/SyncroACH direct deposit.
- Store admins helping a vendor who reports a linking error.
You set up SyncroPay/SyncroACH from your avatar > Settings > Payments & Banking, on the SyncroPay direct deposit card.
First, try these
- Turn off any VPN, proxy, iCloud Private Relay or ad blocker. These can stop the setup page from loading, so it hangs or times out. Most VPNs are blocked. Turn your VPN off and try again.
- Use the latest Google Chrome on a computer.
- Do a hard refresh (Windows: Ctrl+F5; Mac: Cmd+Shift+R) or clear your browser cache, then try again.
- If it still won't load, try a different network, for example your phone's cellular hotspot instead of Wi-Fi.
Error-by-error
| What you see | What it means | What to do |
|---|---|---|
| Setup page keeps loading / never opens | Usually a VPN, network or cached-page problem, or your login is missing the Vendor role | Do the steps above. If it still fails, ask your store to confirm your login has the Vendor role. |
| "Loading terms of service" never finishes, "SyncroPay could not load its terms of service" or "Couldn't load SyncroPay's secure form" | The terms and form load from our payment partner | Reload the page once. If it persists, contact support; they can reset your setup. |
| "SyncroPay could not generate a terms-of-service token" (older Profile page) or "Setup error: ..." | Usually a store-level setup issue | Contact support (or ask your store to). Support fixes it on their side. Then refresh the page. |
| "Bank account linking was cancelled" and you can't link another account | Often happens after a wrong routing number | Contact support to reset your SyncroPay/SyncroACH setup, then link again. |
| Error right after entering details | Often invalid characters in a name field (for example in Last name) | Hyphens and apostrophes aren't accepted in names. Remove them (for example, type OBrien for O'Brien). Retype every field by hand, then try again. |
| Your bank info "disappeared" | The account was rejected because it can only receive, not send, ACH payments (usually a savings account) | Link a checking account that supports both ACH debits and deposits. Savings accounts are rejected. |
| A "Danger zone" section appears | Not an error. It holds Stop using SyncroPay, which disconnects your SyncroPay/SyncroACH account | Nothing to do. Don't use it unless you want to stop direct deposit. |
When you contact support
Send your store name, your login email, the exact error text and a screenshot. Never send your full routing or account number by email.
If your store still uses Stripe
This article covers SyncroPay/SyncroACH. Stripe is supported until January 1, 2027. If your store still pays through Stripe, bank verification happens on Stripe's site: see the Stripe section of How do I set up direct deposit for my payouts? (vendors), and contact Stripe for Stripe verification problems.
