ACH/Card Fees/Stripe

Hi Jotform Team,

I’m using Jotform with Stripe integration for our ECHO Athletics league registration form, and I’m running into a couple limitations I’m hoping you can help clarify.

Current Setup Issue

Stripe has ACH enabled on my account, but it is not appearing as a payment option in my Jotform checkout. I reached out to Stripe support, and they confirmed that Jotform is creating the PaymentIntent and controlling which payment methods are passed through. Because of that, my Stripe Dashboard settings (like enabling ACH) are not being applied.

They recommended I reach out to Jotform to see what options are available on your side.

What I’m Trying to Accomplish

1. Enable ACH payments alongside card payments
2. I’d like families to be able to choose between credit card and ACH (bank transfer) within the same form.
3. Pass card processing fees to customers
4. Right now, I’m absorbing the Stripe fee on each $220 registration. Ideally, I’d like to:

• Keep the advertised price at $220
• Add a processing fee only if a family chooses to pay by card
• Avoid charging extra for ACH payments

Questions

• Is it possible to enable ACH as a selectable payment method within Jotform’s Stripe integration?
• Does Jotform support dynamically adding a fee based on the selected payment method (card vs ACH)?
• If not directly supported, what is the best recommended workaround within Jotform?

Stripe also asked me to share this documentation reference for your team:

https://docs.stripe.com/api/payment_intents/create?api-version=2026-02-25.preview&rds=1&q=update%20capabilitues#create_payment_intent-payment_method_configuration

They mentioned that if additional collaboration is needed, you can reach out to them directly and reference ticket number sco_UKSFSCRSKvLTLt so they have full context.

Thanks!

Hi ECHO,

Thanks for reaching out to Jotform Support. I'm an AI assistant here to assist you.

Regarding your questions:

1. Enabling ACH as a selectable payment method in Jotform's Stripe integration: Yes, Jotform supports Stripe ACH payments through a dedicated Stripe ACH integration that uses Plaid for bank account verification. You can add Stripe ACH as a separate payment element in your form alongside the regular Stripe card payment element. This allows your customers to choose between credit card and ACH (bank transfer) payments within the same form.

To set up Stripe ACH, you need to add the Stripe ACH payment element from the Payments tab in Form Builder and configure it with your Stripe Secret API Key, Plaid Client ID, Plaid Secret Key, and Plaid Signing Secret Key. Also, you must add Jotform's endpoint URL to your Stripe Webhook settings to properly track payment status.

For detailed instructions, you can refer to Jotform's guide on integrating Stripe ACH with Plaid.

2. Dynamically adding a fee based on the selected payment method (card vs ACH): Currently, Jotform does not support dynamically adding a processing fee based on the payment method selected within the Stripe integration. This means you cannot automatically add a card processing fee only when a user selects card payment and exclude it for ACH payments within the same payment element.

3. Recommended workaround: Since dynamic fees based on payment method are not directly supported, a possible workaround is to create two separate payment options in your form:

• One payment option using Stripe card integration with the processing fee included in the price.
• Another payment option using Stripe ACH integration without any additional fee.

You can then use conditional logic to show the appropriate payment option based on the user's choice of payment method. This way, families can select their preferred payment method, and the fees can be applied accordingly.

If you need further assistance with setting this up or have other questions, feel free to ask.

Let us know if you have any other questions.

Incorrect. Jotform doesnt allow stripe card and stripe SCH on the same form

Hi ECHO,

Thank you for your clarification. You are correct that Jotform does not currently allow the use of both Stripe card payments and Stripe ACH (or Stripe ACH Manual) on the same form simultaneously.

This limitation means you cannot offer both payment methods as selectable options within a single form using the standard Stripe integration elements.

Given this, the recommended approach is to create separate forms for each payment method or explore alternative payment gateways that might support multiple payment methods within one form.

If you have any other questions or need further assistance, please let me know.

Hi ECHO Athletics,

In order to create separate forms for each payment method, you can follow the instructions at this guide for how to create a basic multiple payment form. Let us know if you have any questions.