Enable Bank Account Verification (BAV) to validate ACH bank accounts and optionally perform real-time balance checks before payment processing.

1. Navigate to Settings > Payments > Account Validations.
2. From the Service Provider drop-down field, select Stripe.
3. Account Verification is enabled by default. If you disable account verification, you will not be able to configure your HPM to use the verification flow.
4. (Optional) Enable Balance Refresh by selecting the Balance Refresh radio button.

   • Specify a value from 1 to 5, with up to two decimal places, to ensure sufficient funds and reduce the risk of payment failures due to insufficient balance. Balance Multiplier of 1.5 is the default value and is also the value recommended as best practice.

   • This option is available only if you have purchased the balance refresh add-on through Zuora.
   • When enabled, Zuora will automatically perform a real-time balance check during payment processing via payment runs to confirm sufficient funds before initiating the ACH transaction.
   • If you disable this option, the account will still be verified, but no balance check will be performed.

   Note: Important

   • If you choose to disable balance refresh, ACH payment methods can still be collected and verified, but Zuora will not proactively validate available funds before processing the payment.

   • Balance Refresh is available only for bank accounts verified through the BAV feature.

   • Once enabled, all payment runs with a verified ACH payment method will have a balance refresh performed.