Can my users pay from a bank account?
Yes — pass ACH_DIRECT_DEBIT in supportedPaymentMethods when creating the payment, and the Stripe Payment Element offers a US bank account option next to cards. ACH works for US bank accounts in USD only, and settles asynchronously: the payment sits in PROCESSING for a few business days before completing or failing, so grant access from the PAYMENT_COMPLETED trigger, not the checkout response.