It's easy to connect your bank account and purchase labels on Pirate Ship from direct bank ACH payments 💰

Why you should consider using ACH payments

Here's some reasons to consider paying with your bank account:

No Transaction Limits: Unlike paying with a credit card, there are no transaction limits when you use ACH. So if you're shipping lots of packages, you don't need to worry about hitting any ceilings 😉
- As long as you've got the money in your account, you can buy as much postage as you need!

Added Layer of Security: If your debit card or credit card ever has to be replaced, you won't have to update anything on Pirate Ship! Connecting your bank account means that your payments to Pirate Ship won't be affected. The only time you'll need to change anything is if you want to connect a new bank account 👍

Earn 3% Cash Back On Your First Purchase: When you connect your bank account with Plaid, you can earn up to 3% cash back on your first pay-by-bank purchase. That's even more loot savings that you can reinvest back into your business 🤑

How to connect your bank account to Pirate Ship

Setting Up ACH Payments: To set up ACH payments, just head to Settings > Payment Method. Click the blue "Add New Payment Method" at the top, then click on your bank from the icon list or search for it.
- Here's how that looks:

Continue the "Continue" Button: To get the next step once you select your bank, click "Continue" here:

Login to Your Bank: From there, follow the prompts to connect your bank account. You'll need to search for your bank, and then enter your login info for your bank account (the username & password you use to log in to your bank).
- Note that Pirate Ship never sees or stores your username & password—this information is kept secure by our banking partner Plaid 👍

Confirm Your Bank Info: Once you connect your account and log in with your banking username & password, click "Confirm" and you're all set to sail!

Your Data is Secure: When you enter your bank username and password to connect your account, it doesn't even pass through Pirate Ship's servers. Instead, our banking partner Plaid sends it directly to your bank to authenticate you. Plaid then provides Pirate Ship with a token that we can use to initiate your payments securely.
- Nobody ever sees your banking username or password, and your data is fully safe and encrypted 🔒
- You can read more about how Plaid works here: https://plaid.com/how-it-works-for-consumers/

Pay the Way You Want: When you pay via ACH everything functions on Pirate Ship just like it does with any other payment method 💪
- You can pay for labels as you go, add credit to your Account Balance, and issue your own refunds for labels you don't need. Payments are consolidated in your Reports page, receipts are sent when you make a payment, etc. Everything is the same!

Insufficient Funds: Similar to debit cards, ACH payments will be declined if a bank account doesn't have the funds to cover it 🙈

Failed Pending Payments: Pending payments may also fail for a variety of reasons. When this happens, the payment status will change to "Failed" and the payment amount will be reversed in your Account Balance.
- When this happens, your bank account will also be deleted as a payment method. You'll then have to re-add it or add another payment method.

When Payments Post: On normal business days, payments made in the morning should hit your bank account that afternoon, and payments made in the afternoon will hit the next business day.
- During the time in between, the payment status will show as Pending, and once it hits the status will be Paid.

Unlisted Bank Information: The list of banks you see is controlled by Plaid, not us. If you don't see your bank listed, chat with us and we'll try working with Plaid to get it added 👌