# Accept payments from bank accounts using ACH Direct Debits

If you are a US-based Stripe user, you can receive USD payments directly from a customer’s bank account instead of a credit or debit card by using Automated Clearing House (ACH) payments.
**Enabling ACH Direct Debits on the Charges API**
1. Log into your Dashboard.
1. Navigate to the [ACH Terms of Service](https://dashboard.stripe.com/login?redirect=https%3A%2F%2Fstripe.com%2Fdocs%2Fach-deprecated).
1. Click **Enable ACH** to accept the Terms of Service and enable ACH payments on your account.
**Enabling ACH Direct Debits on the PaymentIntents API**
For Standard and Direct accounts, you should already have ACH Direct Debits enabled on the **Settings > Payment methods** page of your dashboard.
If you would like to turn off ACH Direct Debits, scroll down to the **Bank Debits** section and click the "Turn off" button beside the **ACH Direct Debit** payment method.
For Custom and Express accounts, Platforms will need to request the `us_bank_account_ach_payments` capability using the Capabilities API in order to enable ACH Direct Debit.