> ## Documentation Index
> Fetch the complete documentation index at: https://dub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Setting up a bank account for partner payouts

> Start paying out your program partners using your bank account (direct debit via ACH, SEPA, or PADS).

> [!TIP]
>
> This feature is only available on [Business plans and
> above](https://dub.co/pricing).

With [Dub Partners](/help/article/dub-partners), you can [send payouts](/help/article/partner-payouts) to your affiliates using your credit card on file. However, for larger payouts, it might be more cost-efficient to set up your bank account for direct debit instead.

Depending on your bank's country, we support 3 different types of direct debit methods:

* **US**: Automated Clearing House (ACH)
* **Canada**: Automated Clearing Settlement System (ACSS)
* **Europe**: Single Euro Payments Area (SEPA)

> [!NOTE]
>
> Due to the fraud/dispute risks involved with SEPA direct debit, it is
> currently only available on [Enterprise](https://dub.co/enterprise) plans.

## Connecting your bank account to Dub

Here's how you can connect your bank account to Dub for partner payouts:

**1. Add a new direct debit method**

Go to your [payment methods section in your billing tab](https://app.dub.co/settings/billing#payment-methods) and click on the **Connect** button to add a new direct debit method:

![](https://mintcdn.com/dub/hlWemBd6IGiOj4pP/images/dub-partners/connect-bank-account.png?fit=max\&auto=format\&n=hlWemBd6IGiOj4pP\&q=85\&s=ab5ffc81f9311054dc632543a3fddb86)

This will open up a modal with the following direct debit methods:

* **US**: Automated Clearing House (ACH)
* **Canada**: Automated Clearing Settlement System (ACSS)
* **Europe**: Single Euro Payments Area (SEPA)

![](https://assets.dub.co/cms/direct-debit-methods.png)

Select the correct method based on your bank's location, and you'll be redirected to the Stripe connection flow.

**2. Connect your bank account**

Next, search for your bank that you want to connect to Dub:

![](https://assets.dub.co/cms/set-up-bank-account.png)

Search for your bank, and follow the steps to connect your account.

![](https://assets.dub.co/cms/stripe-connect-mercury-bank-account.png)

If you selected SEPA direct debit in the previous step, you will need to manually enter your IBAN number and account details to set it up instead:

![](https://assets.dub.co/cms/sepa-direct-debit-setup.png)

## Manual bank verification

Alternatively, you can also manually verify your bank account via the [micro-deposits verification method](https://stripe.com/ie/resources/more/what-is-micro-deposit-verification-here-is-how-it-works).

To do that, follow [step one in bank connection steps](#add-new-direct-debit-method), then select the **Enter bank details manually** option:

![](https://assets.dub.co/cms/enter-bank-details-manually.png)

Then, enter your bank details (routing number, account number):

![](https://assets.dub.co/cms/enter-bank-details-modal.png)

You'll receive a micro deposit in your account within 1-2 business days that will include a six-character descriptor code starting with `SM`:

```
SMXXXX
```

Once you receive the micro-deposit, click `Verify` on the added bank account record on your billing settings page. This will open a verification modal.

![](https://mintcdn.com/dub/RfzJ7E9DdN9KvLhx/images/dub-partners/bank-account-unverified.png?fit=max\&auto=format\&n=RfzJ7E9DdN9KvLhx\&q=85\&s=130c2b23feec2732432c1840cea1a59d)

With the bank account verification modal open, enter the 6-digit code in the statement descriptor of the deposit you received from Dub, then click `Verify`.

![](https://mintcdn.com/dub/RfzJ7E9DdN9KvLhx/images/dub-partners/bank-account-verification.png?fit=max\&auto=format\&n=RfzJ7E9DdN9KvLhx\&q=85\&s=f02a938ac5ed31fbf0b022e42fd2bcb5)

When your bank account is verified and ready for use, you'll see the `Verified` on your bank account payment method.

![](https://mintcdn.com/dub/RfzJ7E9DdN9KvLhx/images/dub-partners/bank-account-verified.png?fit=max\&auto=format\&n=RfzJ7E9DdN9KvLhx\&q=85\&s=4437e5587cc0a0e808d211b8f71a5c9d)

## My bank account is currently unavailable

Depending on which bank you select, Stripe might show an error that the bank is currently unavailable:

![](https://assets.dub.co/cms/stripe-connect-meow-not-supported.png)

If that happens, follow the instructions above to [manually verify your bank account](/help/article/how-to-set-up-bank-account/#manual-bank-verification).


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