> ## 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/partners).
</Tip>

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)

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

## Connecting your bank account to Dub

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

<Steps>
  <Step title="Add a new direct debit method">
    On your [workspace's billing tab](https://app.dub.co/settings/billing), scroll down to **Payment methods** section.

    Click on the **Connect** button to add a new direct debit method:

    <Frame>
      <img src="https://assets.dub.co/cms/connect-bank-account.png" alt="" />
    </Frame>

    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)

    <Frame>
      <img src="https://assets.dub.co/cms/direct-debit-methods.png" alt="" />
    </Frame>

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

  <Step title="Connect your bank account">
    Next, search for your bank that you want to connect to Dub:

    <Frame>
      <img src="https://assets.dub.co/cms/set-up-bank-account.png" alt="" />
    </Frame>

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

    <Frame>
      <img src="https://assets.dub.co/cms/stripe-connect-mercury-bank-account.png" alt="" />
    </Frame>

    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:

    <Frame>
      <img src="https://assets.dub.co/cms/sepa-direct-debit-setup.png" alt="" />
    </Frame>
  </Step>

  <Step title="Manually verify bank account" optional>
    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, select the **Enter bank details manually** option:

    <Frame>
      <img src="https://assets.dub.co/cms/enter-bank-details-manually.png" alt="" />
    </Frame>

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

    <Frame>
      <img src="https://assets.dub.co/cms/enter-bank-details-modal.png" alt="" />
    </Frame>

    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, [reach out to us](https://dub.co/contact/support) with the code and we'll help you verify your bank account.
  </Step>
</Steps>

## My bank account is currently unavailable

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

<Frame>
  <img src="https://assets.dub.co/cms/stripe-connect-meow-not-supported.png" alt="" />
</Frame>

If that happens, follow step 3 above to manually verify your bank account.