To support clients receiving payments in USD, we want to raise awareness about a critical detail regarding ACH (Automated Clearing House) information on invoices.
Receiving USD payments
If you have a USD account setup with your bank you will, in most cases, be able to receive USD payments via the Swift Network. Swift is a reliable and globally recognised network and by default invoices generated in Ember autofill with your Swift code.
Due to limitations on the information received from TrueLayer, ACH routing details are not automatically included on your invoice. This means that your clients based in the US won’t see the ACH option unless you manually add it.
Who does this affect?
If you use Wise, Revolut, or other popular banking partners that use your swift code for USD payments there's no action needed - the necessary SWIFT code is included on your invoices.
However, for clients who use Starling, who do not accept payments into a USD account via Swift, this is important! If this applies to you, and you specifically want the payment received into your USD account instead of your GBP account, you must manually add your ACH details to your invoice.
For Starling clients, you can find out more information regarding why you cannot receive payment into a USD account via Swift here.
How to Add ACH Information to Your Invoices
Your invoices contain a "Notes" section under section 4 "Preview & Send". This is a dedicated space where you can add any additional information manually.
We recommend you enter your ACH details directly into this section.
Pro Tip: Instruct Your Clients
You can also include a short message on your email encouraging clients to use the ACH details, as opposed to the Swift code.
For example:
“Please use the ACH details provided in Section 4 for USD payments."
In Summary
This will not affect most users. SWIFT is the default method for USD payments, and invoices include SWIFT info by default.
Use the Notes field in Section 4 of your invoice to add ACH details manually if you require it!
Don't forget to inform your client if you want them to use the ACH details instead of the Swift code