A checkout form can be collecting the right information while older recurring payments still use incomplete customer records. Stripe's recent international ACH change makes that difference worth checking.
Stripe's current support guidance says International ACH Transactions must include the payer's billing address from 18 September 2026, following Nacha's updated definition.
Check whether the scope fits your business
The guidance applies when the merchant of record is outside the United States and customers pay by ACH debit. For platforms using direct charges, Stripe says the location of the connected account determines the merchant side of that test.
This is specific to the affected ACH transactions. A business accepting cards from US customers should not assume that this particular notice describes its card integration.
Confirm your payment route and account structure before planning a data update. If the arrangement is unclear, ask Stripe support which part of the guidance applies.
Older payment methods need attention
Stripe says Checkout, Payment Element and Hosted Invoices automatically began requiring the address for relevant new transactions on 3 August. Its guidance also says recurring transactions using saved payment methods need existing records updated.
API integrations must consistently supply the required address through the documented payment-method billing details or customer address. The guidance says the address cannot be a PO box.
Those are provider requirements. The next practical job is finding any affected records in your own billing process that still lack the information.
Review the recurring customer base
Our suggested review starts with the affected payment method and account location. Produce a controlled list of relevant recurring customers, then check whether their saved records contain the required address.
Do not limit the review to customers who signed up recently. An annual customer may not attempt another collection for months, so a gap can remain hidden until renewal.
Also check how address changes move between your billing application and Stripe. Having an address on a local invoice is little help if the integration never passes it to the record used for collection.
Collect missing information through a trusted route
If a customer needs to provide an address, direct them to the normal authenticated billing portal or another approved process. Explain the specific information needed and where it will be stored.
Keep support staff informed so they can recognise the request and answer questions. Record completed updates, and check a representative sample against the provider's records.
Use the provider's test environment to confirm new signups and saved-method renewals follow the intended path. Review failures without repeatedly attempting live collections.
The deadline has already passed. For a business billing US bank accounts from outside the US, checking recurring records now can prevent an address gap from first appearing as a failed customer renewal.
Reporting checked on 13 October 2026. Applicability follows Stripe's published guidance.
