# Collect billing address for international ACH transactions 

[Nacha](https://www.nacha.org/) updated the definition of International ACH Transactions (IATs) to include all ACH entries originated by non-US merchants.
Starting September 18, 2026, IAT transactions must include the payer's billing address.
## Does this change affect me?
Your ACH transactions are classified as IATs if both of the following apply:
* Your business (the merchant of record) is based outside the United States. If you are a platform running direct charges, this applies based on the location of your connected accounts.
* And your customers pay using ACH debit
## Do I need to make any changes?
What you need to do depends on how you integrate with Stripe.
### API users
Pass the customer's billing address in the [billing details.address](https://docs.stripe.com/api/payment_methods/object#payment_method_object-billing_details-address) or the [customer address](https://docs.stripe.com/api/customers/object#customer_object-address) for all IAT transactions. If you already pass this field consistently across all cross-border ACH transactions, verify that it's applied to every transaction. No further changes are needed.
If you process recurring ACH transactions using saved payment methods, use the [Update a PaymentMethod](https://docs.stripe.com/api/payment_methods/update#update_payment_method-billing_details-address) or the [Update Customer](https://docs.stripe.com/api/customers/update) endpoint to add a billing address to existing payment method records before September 18, 2026.
### Stripe Checkout and Hosted Invoices
Stripe automatically surfaces the billing address field as a required field for IAT transactions on Stripe Checkout, Payment Element, and Hosted Invoices forms starting August 3, 2026. No changes are needed for new transactions.
If you process recurring transactions using saved payment methods, update those existing records to include a billing address before September 18, 2026.
## How do I update an existing payment method?
If you have recurring IAT transactions using existing saved payment methods, add a billing address to each payment method before September 18, 2026.
### Update existing payment method using the API
Use the [Update a PaymentMethod](https://docs.stripe.com/api/payment_methods/update#update_payment_method-billing_details-address) endpoint or the [Update Customer](https://docs.stripe.com/api/customers/update) endpoint to set `billing_details.address` on each payment method.
To retrieve a full list of payment methods for your customers, use the [List PaymentMethods](https://docs.stripe.com/api/payment_methods/list) endpoint.
### Update existing payment method from the Dashboard
1. Go to [Customers](https://dashboard.stripe.com/customers) in your Dashboard.
1. Click the customer you want to update.
1. From the **Details** section, click **Edit**.
1. Enter the billing address and click **Update customer**.
## Billing address requirements
Billing address can't be a PO box per Nacha's requirements.