At Ember, we’re committed to providing seamless and reliable payment experiences for all our clients. As part of our continuous efforts 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 we autofill invoices generated in Ember with your Swift code.
Due to limitations on the information we receive from our Open Banking partner, 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?
This won’t apply to most of our clients.
If you use Wise, Revolut, or other popular banking partners that use your swift code for USD payments there's no action needed - Ember already includes the necessary SWIFT code on your invoices.
However, for clients who use a banking partner such as 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
The good news? There’s a simple solution.
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 of our clients. 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