billing: pay by ach transfer (#22473)

<!--Delete sections as needed -->

## Description
- Adds pay by bank account as payment method option
- Adds new section on verifying bank account
- Preview:
https://deploy-preview-22473--docsdocker.netlify.app/billing/payment-method/

## Related issues or tickets

<!-- Related issues, pull requests, or Jira tickets -->

## Reviews

<!-- Notes for reviewers here -->
<!-- List applicable reviews (optionally @tag reviewers) -->

- [ ] Technical review
- [ ] Editorial review
- [ ] Product review

_vale/Docker/Acronyms.yml

@@ -8,6 +8,7 @@ first: '\b([A-Z]{2,5})\b'
 second: '(?:\b[A-Z][a-z]+ )+\(([A-Z]{2,5})s?\)'
 # ... with the exception of these:
 exceptions:
+  - ACH
   - AGPL
   - AI
   - API

content/manuals/billing/cycle.md

@@ -39,6 +39,11 @@ To change your billing cycle:
 5. Select **Continue to payment**.
 6. Verify payment information and select **Upgrade subscription**.
 
+> [!NOTE]
+>
+> If you choose to pay using a US bank account, you must verify the account. For
+> more information, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
+
 The billing plans and usage page will now reflect your new annual plan details.
 
 {{< /tab >}}
@@ -73,6 +78,11 @@ To change your organization's billing cycle:
 5. Select **Continue to payment**.
 6. Verify payment information and select **Upgrade subscription**.
 
+> [!NOTE]
+>
+> If you choose to pay using a US bank account, you must verify the account. For
+> more information, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
+
 {{< /tab >}}
 {{< tab name="Legacy Docker plan" >}}
 

content/manuals/billing/faqs.md

@@ -17,6 +17,7 @@ weight: 60
 - Diners
 - UnionPay
 - Link
+- ACH transfer with a [verified](manuals/billing/payment-method.md#verify-a-bank-account) US bank account
 
 ### What currency is supported?
 

content/manuals/billing/payment-method.md

@@ -17,14 +17,18 @@ You can add a payment method or update your account's existing payment method at
 
 The following payment methods are supported:
 
-- Visa
+- Cards
-- MasterCard
+  - Visa
-- American Express
+  - MasterCard
-- Discover
+  - American Express
-- JCB
+  - Discover
-- Diners
+  - JCB
-- UnionPay
+  - Diners
-- Link
+  - UnionPay
+- Wallets
+  - Stripe Link
+- Bank accounts
+  - ACH transfer with a [verified](manuals/billing/payment-method.md#verify-a-bank-account) US bank account
 
 All currency, for example the amount listed on your billing invoice, is in United States dollar (USD).
 
@@ -44,15 +48,26 @@ To add a payment method:
 3. Select **Payment methods** from the left-hand menu.
 4. Select **Add payment method**.
 5. Enter your new payment information:
-    - If you are adding a card, fill out the card information form.
+    - If you are adding a card:
-    - If you are adding a Link payment, select **Secure, 1-click checkout with Link**
+        - Select **Card** and fill out the card information form.
-    and enter your Link **email address** and **phone number**. If you are not
+    - If you are adding a Link payment:
-    an existing Link customer, you must fill out the card information form to
+        - Select **Secure, 1-click checkout with Link** and enter your Link **email address** and **phone number**.
-    store a card for Link payments.
+        - If you are not an existing Link customer, you must fill out the card information form to store a card for Link payments.
+    - If you are adding a bank account:
+        - Select **US bank account**.
+        - Verify your **Email** and **Full name**.
+        - If your bank is listed, select your bank's name.
+        - If your bank is not listed, select **Search for your bank**.
+        - To verify your bank account, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
 6. Select **Add payment method**.
 7. Optional. You can set a new default payment method by selecting the **Set as default** action.
 8. Optional. You can remove non-default payment methods by selecting the **Delete** action.
 
+> [!NOTE]
+>
+> If you want to set a US bank account as your default payment method, you must
+> verify the account first.
+
 {{< /tab >}}
 {{< tab name="Legacy Docker plan" >}}
 
@@ -64,11 +79,11 @@ To add a payment method:
 4. Select the **Payment methods and billing history** link.
 5. In the **Payment method** section, select **Add payment method**.
 6. Enter your new payment information:
-    - If you are adding a card, fill out the card information form.
+    - If you are adding a card:
-    - IIf you are adding a Link payment, select **Secure, 1-click checkout with Link**
+        - Select **Card** and fill out the card information form.
-    and enter your Link **email address** and **phone number**. If you are not
+    - If you are adding a Link payment:
-    an existing Link customer, you must fill out the card information form to
+        - Select **Secure, 1-click checkout with Link** and enter your Link **email address** and **phone number**.
-    store a card for Link payments.
+        - If you are not an existing Link customer, you must fill out the card information form to store a card for Link payments.
 7. Select **Add**.
 8. Select the **Actions** icon, then select **Make default** to ensure that your new payment method applies to all purchases and subscriptions.
 9. Optional. You can remove non-default payment methods by selecting the **Actions** icon. Then, select **Delete**.
@@ -93,14 +108,26 @@ To add a payment method:
 4. Select **Payment methods** from the left-hand menu.
 5. Select **Add payment method**.
 6. Enter your new payment information:
-    - If you are adding a card, fill out the card information form.
+    - If you are adding a card:
-    - If you are adding a Link payment, select **Secure, 1-click checkout with Link**
+        - Select **Card** and fill out the card information form.
-    and enter your Link **email address** and **phone number**. If you are not
+    - If you are adding a Link payment:
-    an existing Link customer, you must fill out the card information form to
+        - Select **Secure, 1-click checkout with Link** and enter your Link **email address** and **phone number**.
-    store a card for Link payments.
+        - If you are not an existing Link customer, you must fill out the card information form to store a card for Link payments.
+    - If you are adding a bank account:
+        - Select **US bank account**.
+        - Verify your **Email** and **Full name**.
+        - If your bank is listed, select your bank's name.
+        - If your bank is not listed, select **Search for your bank**.
+        - To verify your bank account, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
 7. Select **Add payment method**.
-8. Optional. You can set a new default payment method by selecting the **Set as default** action.
+8. Select **Add payment method**.
-9. Optional. You can remove non-default payment methods by selecting the **Delete** action.
+9. Optional. You can set a new default payment method by selecting the **Set as default** action.
+10. Optional. You can remove non-default payment methods by selecting the **Delete** action.
+
+> [!NOTE]
+>
+> If you want to set a US bank account as your default payment method, you must
+> verify the account first.
 
 {{< /tab >}}
 {{< tab name="Legacy Docker plan" >}}
@@ -114,11 +141,11 @@ To add a payment method:
 5. Select the **Payment methods and billing history** link.
 6. In the **Payment Method** section, select **Add payment method**.
 7. Enter your new payment information:
-    - If you are adding a card, fill out the card information form.
+    - If you are adding a card:
-    - If you are adding a Link payment, select **Secure, 1-click checkout with Link**
+        - Select **Card** and fill out the card information form.
-    and enter your Link **email address** and **phone number**. If you are not
+    - If you are adding a Link payment:
-    an existing Link customer, you must fill out the card information form to
+        - Select **Secure, 1-click checkout with Link** and enter your Link **email address** and **phone number**.
-    store a card for Link payments.
+        - If you are not an existing Link customer, you must fill out the card information form to store a card for Link payments.
 8. Select **Add payment method**.
 9. Select the **Actions** icon, then select **Make default** to ensure that your new payment method applies to all purchases and subscriptions.
 10. Optional. You can remove non-default payment methods by selecting the **Actions** icon. Then, select **Delete**.
@@ -126,6 +153,42 @@ To add a payment method:
 {{< /tab >}}
 {{< /tabs >}}
 
+## Verify a bank account
+
+There are two ways to verify a bank account as a payment method:
+
+- Instant verification: Docker supports several major banks for instant verification.
+- Manual verification: All other banks must be verified manually.
+
+### Instant verification
+
+To verify your bank account instantly, you must sign in to your bank account
+from the Docker billing flow:
+
+1. Choose **US bank account** as your payment method.
+2. Verify your **Email** and **Full name**.
+3. If your bank is listed, select your bank's name or select **Search for your bank**.
+4. Sign in to your bank and review the terms and conditions. This agreement
+allows Docker to debit payments from your connected bank account.
+5. Select **Agree and continue**.
+6. Select an account to link and verify, and select **Connect account**.
+
+When the account is verified, you will see a success message in the pop-up modal.
+
+### Manual verification
+
+To verify your bank account manually, you must enter the micro-deposit amount from your bank statement:
+
+1. Choose **US bank account** as your payment method.
+2. Verify your **Email** and **First and last name**.
+3. Select **Enter bank details manually instead**.
+4. Enter your bank details: **Routing number** and **Account number**.
+5. Select **Submit**.
+6. You will receive an email with instructions on how to manually verify.
+
+Manual verification uses micro-deposits. You should see a small deposit
+(e.g. $-0.01) in your bank account in 1-2 business days. Open your manual verification email and enter the amount of this deposit to verify your account.
+
 ## Failed payments
 
 > [!NOTE]

content/manuals/subscription/change.md

@@ -46,6 +46,11 @@ To upgrade your Docker subscription:
 5. Select **Upgrade**.
 6. Follow the on-screen instructions to complete your upgrade.
 
+> [!NOTE]
+>
+> If you choose to pay using a US bank account, you must verify the account. For
+> more information, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
+
 {{< /tab >}}
 {{< tab name="Legacy Docker plan" >}}
 

content/manuals/subscription/manage-seats.md

@@ -36,6 +36,11 @@ To add seats to your subscription:
 4. Select **Add seats**.
 5. Follow the on-screen instructions to complete adding seats.
 
+> [!NOTE]
+>
+> If you choose to pay using a US bank account, you must verify the account. For
+> more information, see [Verify a bank account](manuals/billing/payment-method.md#verify-a-bank-account).
+
 You can now add more members to your organization. For more information, see [Manage organization members](../admin/organization/members.md).
 
 {{< /tab >}}