work / ach-payment-integration · 2025-01

ACH Payment Integration — One-time & Recurring

[stripe][authorize-net][payments][dotnet]

Abstract

Secure ACH, Apple Pay, and Google Pay payment workflows for donation kiosks and recurring billing across Stripe and Authorize.Net.

§1Problem

U.S. mosque clients needed low-fee recurring donations (ACH beats card fees substantially for large recurring gifts) plus modern wallet checkout — across two payment processors, without compromising compliance or reliability.

§2Approach

Implemented ACH workflows on both Stripe and Authorize.Net APIs for one-time and recurring transactions covering schools, events, and memberships. Added Apple Pay and Google Pay through Stripe Payment Intents with tokenized wallet flows. Hardened the pipeline for retries, webhooks, and reconciliation.

§3Impact

Payment rails supporting millions of dollars in annual volume for 20,000+ users — secure recurring revenue for every client, faster mobile checkout, and improved donation conversion across one-time and recurring payments.

Keywords: .NET Core, Stripe API (Payment Intents, ACH), Authorize.Net API, SQL Server, webhooks

(private/work project — ask me for a walkthrough)

@misc{ammar2025ach,
  author = {Ammar, Md. Abu},
  title  = {ACH Payment Integration — One-time & Recurring},
  year   = {2025},
  note   = {Engineering case study}
}