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A Guide on Direct Debit Setup and Payments
A Guide on Direct Debit Setup and Payments
Ria avatar
Written by Ria
Updated over a week ago

For all our customers with US-based bank accounts, we have introduced ACH (Automated Clearing House) Direct Debit as a payment method on Multiplier.

ACH Automatic Direct Debit is a secure and convenient mode of payment that helps you streamline your administrative processes with the least operation hassle and can also be less expensive than a wire transfer.

To start using 'ACH Direct Debit', you must first initiate the setup process, after which the payments will be auto-debited on the specified date. Additionally, you can also use the ‘Invoice Payments’ module to review invoice details and raise queries (if any).

ACH Direct Debit Setup

As an admin, you can easily set up direct debit on the platform by following the below steps:

Step 1: Navigate to ‘Settings’ under Organization on the left sidebar.

Step 2: Scroll down and click on ‘Payment Settings’.

Step 3: You can view the ACH Direct Debit option. Click on ‘Setup’.

Step 4: Fill in the necessary information, such as bank name, bank type, account number, and routing number.

Once that’s done, you must upload the below documents for verification.

  • A copy of the latest bank statement (at least 1 month in the last 3 months)

  • A valid government-issued ID of the person signing the Direct Debit Authorization agreement

4.1) Click on ‘Confirm’ to proceed.

4.2) Once you have submitted the information and documents, the status of the Direct Debit setup will change to - ‘Initiated’.

Note: Under ‘Additional settings’ the ‘Automatic Debit’ toggle will be enabled by default. This indicates that invoices payments will get debited automatically on the auto-debit dates.

Step 5: You will receive an email with the ACH agreement that must be signed to complete the setup.

Step 6: Our team will verify the documents and the information you have provided.

The team will also validate whether any Debit Blocks that prevent direct debits from happening are present by submitting a zero-dollar payment request. It is also called a Pre-Notification request. As an employer, please ensure that if you have direct debit blocks set up, work with your bank to allow the following ACH IDs to debit your account. The ACH IDs for Multiplier are 5766440401 and 2872355271.

Once the zero-dollar verification is successful, the status on your platform will change to ‘Available for payments’.

Note: To disable automatic direct debit, click on the toggle button and select ‘Yes Disable’. Once disabled you will be required to manually make payments via the ‘Invoice Payments’ module (refer here).

ACH Direct Debit Payments

Automatic Debit

Once ACH is set up for your company and automatic debit is enabled you will receive an email intimation from Multiplier for your upcoming automatic debit 5 days prior to the invoice due date. On the email, you can find the total amount, bundle ID, and auto-debit date. For more details, visit the ‘Invoice Payments’ module on the platform.

The payments will be debited on the specified auto-debit date, i.e, 2 days before the invoice due date.


- If you have already set up ACH Direct Debit before April 2024, your CSM will reach out to you to enable automatic debit for you.

- If you are yet to begin the setup process, note that automatic debit will be enabled automatically when you initiate the direct debit setup process.

In other words, if 7th April is the invoice due date, watch out for the following:

3rd April

Email notification about the upcoming payment

Before 5th April

Period to review the invoices

5th April

Auto-debit will be initiated

Invoice Review Process

To review the invoices before the auto-debit date you can follow the below steps:

Step 1: Click on ‘Invoice Payments’ under 'Payments' on the left sidebar.

1.1) You can review auto-debit invoices under ‘Upcoming auto-debit’.

Step 2: Click on the view icon to review a particular invoice as shown below.

Step 3: You can check the details & download the invoice if needed.

3.1) If you have any concerns about a particular invoice, click on ‘Raise a Query' from the drop-down menu as shown below.

If you have enabled automatic debit but want to pay the invoice before the auto-debit date then head over to the ‘Invoice Payments’ module and follow the steps mentioned below.

Manual Payment Process

Step 1: Go to ‘Invoice Payments’ and select the invoice(s) you’d like to initiate payments for. You can select and initiate payments for invoices under the following categories:

A)‘Upcoming Auto Debit’

B)‘Employee Invoices’ and ‘Approved Contractor Payments’

A) Upcoming Auto-Debit

1.1) For invoices under ‘Upcoming Auto Debit’ you can pay the bundle amount before the due date by clicking on ‘Pay bundle now’ from the drop-down menu.

1.2) To view the invoices in a bundle, select ‘View all invoices’ as shown below.

1.3) You can view all invoices and pay the bundle amount by clicking on ‘Pay Now’ as shown below.

1.4) If you wish to download the invoice, click on the download icon.

Next steps in the manual payment process cont'd from Step 2 onwards.

B) Employee Invoices and Approved Contractor Payments

1.1) Select the relevant invoices and click on ‘Pay Now’.

Step 2: Review the items and click on ‘Continue to Pay’.

Step 3: On the checkout page, select the payment method as ‘ACH direct debit’.

Step 4: Click on ‘Proceed to Checkout’.

Step 5: Click on ‘Continue’.

Step 6: Click on ‘Confirm and Pay’ to initiate direct debit from the provided bank account.

Step 7: The invoice status will change to ‘Processing’ & you can view the invoices under the ‘Processing’ tab.

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