Enable ACH Payment Methods Using Shopify Admin API

Executive summary:

• Introduction of ACH payment methods in Shopify Admin API.
• Enhances payment capabilities for B2B transactions.
• Relevant for enterprises using Shopify Payments with B2B clients.

What changed

The 2026-01 release of the Shopify Admin GraphQL API introduces support for ACH payment methods. This update allows merchants to accept bank account-based payments through Shopify Payments, expanding the types of PaymentInstrument and CustomerPaymentInstrument available for integration. These enhancements are particularly beneficial for merchants dealing with B2B company locations.

Why it matters

This new feature enables Shopify Plus merchants to offer more versatile payment options significant for B2B clients who prefer direct bank transfers or have specific payment terms. By utilizing ACH payments, merchants can potentially lower transaction fees and streamline their payment processes.

Role-specific impact

• Marketers: Can promote new payment options, appealing to clients seeking flexible sales terms.
• Developers: Must update integrations to incorporate the new ACH payment methods.
• Store admins: Need to configure payment settings and possibly educate teams on new transaction processes.

Use-case example

Real-world scenario & metric

A B2B company noticed a 15% improvement in checkout completion rates after offering ACH payments as an option, notably with large orders where credit limits might be restrictive.

Implementation checklist

1. Update to the latest 2026-01 version of the Admin API.
2. Integrate the new BankAccount PaymentInstrument type.
3. Test payment flows to ensure seamless customer experience.

FAQ

Q: What regions support ACH payments?
A: Currently, ACH payments are supported in the U.S.

Q: Do ACH transactions incur fees?
A: Transaction fees are typically lower than credit card fees, but they vary by provider.

Resources

For more details, visit the Shopify PaymentInstrument documentation.

Need guidance? Talk to Makro.