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Bank Transfers (ACH Debit)
Firefly allows you to process bank transfer payments much like credit card payments. The advantages of processing a payment as a bank transfer includes:
1. Much cheaper processing rates (.8% with a cap of $5 vs 2.9% + 30c for credit card)
2. Customer only needs a bank account, does not need a credit card
Once you are connect to Stripe, you are already set up to be able to process ACH payments. There is nothing else you need to do.
Follow the guide below to set up bank transfers
Adding a bank account
You can add a bank account from the back end, or the guest can add one from the guest portal. The process is the same for either.
From the back end, navigate to a reservation you want to add a bank account, and select Add payment method or Update payment method if that reservation already has a payment method on file.
Next, select the Bank Account tab, and enter the guests bank account details.
Once the bank account info is entered, click Save. You will then see the unverified bank account under the payment methods on file section on the top.
NOTE: The bank account must be verified before it can be used to make payments
Verifying the bank account
Your guest will receive 2 small deposits (less than $1) in their bank account within 1-3 days of adding the bank account. Once the guest knows how much the deposits are, they can notify you so you can verify the account, or they can log into the guest portal and verify the account.
Enter the 2 amounts, and click Verify. You will then see the bank account is verified if the amounts are correct.
NOTE: You are only allowed a limited number of attempts to enter the correct amounts.
That's it! These exact same steps can be followed by the guest in the guest portal as shown below:
Verified bank accounts can be used to make immediate and scheduled payments.
To make a bank transfer payment, just select Bank Transfer as the payment option. This option will only be available if the reservation has a verified bank account on file.
Enjoy saving money with bank transfers!