The 2026-01 Admin GraphQL API now includes native support for ACH (Automated Clearing House) payment methods, allowing merchants to accept and manage bank account-based payments directly through Shopify Payments. New PaymentInstrument and CustomerPaymentInstrument types are available specifically for B2B company locations, with full support for payment terms and draft orders workflows.
For developers building B2B integrations or custom payment solutions, this update expands the payment methods available beyond traditional card payments. Since ACH transfers are a preferred payment method for many business customers—offering lower fees and better cash flow predictability—this capability makes Shopify Payments more competitive for B2B merchants. If your app manages the payment lifecycle for payment terms or draft orders, upgrading to the latest API version becomes essential to access these new features.
When upgrading to the 2026-01 API, you'll need proper OAuth authentication scopes for managing payment instruments. GetShopifyToken streamlines the token generation process, ensuring your app has the correct permissions to access these new ACH payment capabilities without manual configuration hassles.