If your clients pay you by ACH (Automated Clearing House) from a business bank account, their bank may block the payment unless Anchor's payment partners are on their approved list. This article explains why that happens, when to reach out to your clients, and includes an email template you can send them.
Why Your Clients May Need to Whitelist These IDs
Many business bank accounts use fraud-prevention tools called ACH Positive Pay, ACH Debit Blocks, or ACH Filters. These tools reject electronic withdrawals from any company ID that isn't on the account holder's approved list.
When you bill a client through Anchor, the ACH debit comes from one of these partners' Company IDs. The setting lives on your client's bank account, not yours, so only your client or their bank can add it. If they don't, you may see:
Failed payments that delay your cash flow until the client updates their settings and the payment is retried.
Unexpected disputes, because the bank may return the payment as unauthorized even though your client approved it.
A blocked bank account, which prevents future ACH payments from that client's account.
ACH Company IDs to Add
Your clients need to add all three Company IDs as separate rules.
Rule | ACH Company ID | Originator/Company Name |
Rule 1 | 1800948598 | Stripe Payments Company |
Rule 2 | 4270465600 | Stripe Payments Company |
Rule 3 | 1371968160 | Column N.A. |
When to Ask Your Clients
Before the first ACH payment: For new clients paying from a business bank account, send the request as soon as they approve your proposal.
After a failed or returned ACH payment: If a payment fails as unauthorized, ask the client to whitelist all three IDs before the payment is retried.
When a client changes bank accounts: Each new account has its own filter settings, so the IDs need to be added again.
How to Ask Your Clients
Identify clients paying by ACH: Focus on clients paying from business bank accounts, which are the most likely to have debit filters turned on.
Send the email template: Copy the template below, fill in the bracketed fields, and send it to your client's billing or finance contact.
Confirm all three IDs were added: Ask your client to confirm once all three rules are saved and approved. Some banks require a second administrator to approve changes.
Retry any failed payments: Adding the IDs doesn't reprocess payments that were already blocked. Once your client confirms, retry the payment or reach out to Anchor Support.
Email Template
Copy and paste this email to your clients. Replace the bracketed fields before sending.
Subject: Action needed: pre-approve ACH payments from [Your Business Name]
Hi [Client Name],
To make sure your ACH payments to [Your Business Name] go through, your bank may need to pre-approve these transactions. Some business bank accounts block ACH debits from unrecognized companies by default.
Please add these three Company IDs to your bank's ACH Positive Pay, ACH Debit Block, or ACH Filter settings, or ask your bank to add them for you:
1800948598 – Stripe Payments Company
4270465600 – Stripe Payments Company
1371968160 – Column N.A.
Step-by-step instructions: [link to How to Whitelist Anchor's ACH Company IDs With Your Bank]
Let me know once this is done, or reply with any questions.
Thanks,
[Your Name]
Helpful Tips
Send it to the right person. Your client's bookkeeper, controller, or finance team usually manages their bank's fraud settings.
Ask for all three IDs. Payments can come from any of these IDs, so missing one can still result in blocked payments.
Offer the bank call option. Some banks only manage ACH filters through their treasury management team. Your client can call their bank and give them all three IDs and their Originator Names.
Watch for dollar limits. If your client's bank asks for a maximum amount, it needs to cover your full invoice amounts.
💡 Add the whitelisting request to your client onboarding emails so new clients are set up before their first invoice.
Still have questions? Feel free to reach out to Anchor Support at [email protected]. Our team is always happy to help!