New ACH Support for Deferred Payments in Shopify API
Discover the Update: Real-World Impact in Plain English
Shopify has introduced ACH support in its Admin GraphQL API (version 2026-01). This update is a game changer for businesses looking to simplify transactions by accepting bank account payments directly. Imagine running a B2B company that frequently uses draft orders to manage bulk sales. Now, instead of relying solely on credit card payments, you can effortlessly accept payments straight from your customers’ bank accounts. This not only improves cash flow but reduces processing fees often associated with credit card transactions.
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For developers working with Shopify’s Admin GraphQL API, this update introduces the BankAccount object. It represents a bank account as a payment instrument and has been integrated into the PaymentInstrument and CustomerPaymentInstrument unions. This means developers can now utilize these updated unions to handle transactions using bank accounts.
// Example of a BankAccount implementation
{
"data": {
"customerPaymentInstruments": [
{
"__typename": "BankAccount",
"bank_name": "Bank of Commerce",
"account_number_last_four": "1234"
}
]
}
}
By utilizing these unions, developers can manage B2B transactions swiftly and more effectively, opening new avenues for payment integration.
Business Growth Unleashed: What This Means for Merchants
The introduction of ACH payment support empowers merchants by widening their payment acceptance capabilities. By enabling bank-to-bank transactions, Shopify merchants can reduce dependency on traditional credit payment systems, thereby cutting transaction costs. Businesses dealing with bulk purchases or recurring billing scenarios stand to benefit greatly. This update is particularly advantageous for B2B merchants, who can now offer more flexible payment options to their clients. With decreased transaction fees, increased payment processing efficiency, and reduced payment processing times, merchants can look forward to streamlined operations and enhanced customer satisfaction.
Trident Spark: Your Trusted Shopify Innovation Partner
At Trident Spark, we pride ourselves on staying at the forefront of ecommerce technology and innovation. As a leading Shopify development agency, we’re equipped to help you leverage the latest features like ACH support for deferred payments. Whether you’re looking to upgrade your existing Shopify integration or need custom application development, our team of expert developers and consultants are here to guide you. Trust us to enhance your ecommerce capabilities in line with the latest Shopify advancements.
Connect with Trident Spark Today!
Ready to make the most of this update? Reach out to Trident Spark. Our team is eager to support you in upgrading your Shopify store or exploring new possibilities with custom apps. Contact us today for a consultation and let’s transform your ecommerce strategy together.