diff --git a/includes/payment-tokens/class-wc-stripe-ach-payment-token.php b/includes/payment-tokens/class-wc-stripe-ach-payment-token.php
new file mode 100644
index 000000000..7b746b922
--- /dev/null
+++ b/includes/payment-tokens/class-wc-stripe-ach-payment-token.php
@@ -0,0 +1,196 @@
+<?php
+
+if ( ! defined( 'ABSPATH' ) ) {
+	exit; // Exit if accessed directly
+}
+
+// phpcs:disable WordPress.Files.FileName
+
+/**
+ * WooCommerce Stripe ACH Direct Debit Payment Token.
+ *
+ * Representation of a payment token for ACH.
+ *
+ * @class    WC_Payment_Token_ACH
+ * @version  4.0.0
+ * @since    4.0.0
+ */
+class WC_Payment_Token_ACH extends WC_Payment_Token implements WC_Stripe_Payment_Method_Comparison_Interface {
+
+	use WC_Stripe_Fingerprint_Trait;
+
+	/**
+	 * Stores payment type.
+	 *
+	 * @var string
+	 */
+	protected $type = WC_Stripe_Payment_Methods::ACH;
+
+	/**
+	 * Stores ACH payment token data.
+	 *
+	 * @var array
+	 */
+	protected $extra_data = [
+		'bank_name'           => '',
+		'account_type'        => '',
+		'last4'               => '',
+		'payment_method_type' => WC_Stripe_Payment_Methods::ACH,
+		'fingerprint'         => '',
+	];
+
+	/**
+	 * Get type to display to user.
+	 *
+	 * @since  4.0.0
+	 * @version 4.0.0
+	 * @param  string $deprecated Deprecated since WooCommerce 3.0
+	 * @return string
+	 */
+	public function get_display_name( $deprecated = '' ) {
+		$display = sprintf(
+			/* translators: last 4 digits of IBAN account */
+			__( '%1$s %2$s account ending in %3$s', 'woocommerce-gateway-stripe' ),
+			$this->get_bank_name(),
+			$this->get_account_type(),
+			$this->get_last4()
+		);
+
+		return $display;
+	}
+
+	/**
+	 * Hook prefix
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 */
+	protected function get_hook_prefix() {
+		return 'woocommerce_payment_token_ach_get_';
+	}
+
+	/**
+	 * Validate ACH payment tokens.
+	 *
+	 * These fields are required by all ACH payment tokens:
+	 * last4  - string Last 4 digits of the Account Number
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @return boolean True if the passed data is valid
+	 */
+	public function validate() {
+		if ( false === parent::validate() ) {
+			return false;
+		}
+
+		if ( ! $this->get_last4( 'edit' ) ) {
+			return false;
+		}
+
+		return true;
+	}
+
+	/**
+	 * Get the bank name.
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @param string $context What the value is for. Valid values are view and edit.
+	 * @return string
+	 */
+	public function get_bank_name( $context = 'view' ) {
+		return $this->get_prop( 'bank_name', $context );
+	}
+
+	/**
+	 * Set the bank name.
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @param string $bank_name
+	 */
+	public function set_bank_name( $bank_name ) {
+		$this->set_prop( 'bank_name', $bank_name );
+	}
+
+	/**
+	 * Get the account type.
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @param string $context What the value is for. Valid values are view and edit.
+	 * @return string
+	 */
+	public function get_account_type( $context = 'view' ) {
+		return $this->get_prop( 'account_type', $context );
+	}
+
+	/**
+	 * Set the account type.
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @param string $account_type
+	 */
+	public function set_account_type( $account_type ) {
+		$this->set_prop( 'account_type', $account_type );
+	}
+
+	/**
+	 * Returns the last four digits.
+	 *
+	 * @since  4.0.0
+	 * @version 4.0.0
+	 * @param  string $context What the value is for. Valid values are view and edit.
+	 * @return string Last 4 digits
+	 */
+	public function get_last4( $context = 'view' ) {
+		return $this->get_prop( 'last4', $context );
+	}
+
+	/**
+	 * Set the last four digits.
+	 *
+	 * @since 4.0.0
+	 * @version 4.0.0
+	 * @param string $last4
+	 */
+	public function set_last4( $last4 ) {
+		$this->set_prop( 'last4', $last4 );
+	}
+
+	/**
+	 * Set Stripe payment method type.
+	 *
+	 * @param string $type Payment method type.
+	 */
+	public function set_payment_method_type( $type ) {
+		$this->set_prop( 'payment_method_type', $type );
+	}
+
+	/**
+	 * Returns Stripe payment method type.
+	 *
+	 * @param string $context What the value is for. Valid values are view and edit.
+	 * @return string $payment_method_type
+	 */
+	public function get_payment_method_type( $context = 'view' ) {
+		return $this->get_prop( 'payment_method_type', $context );
+	}
+
+	/**
+	 * Checks if the payment method token is equal a provided payment method.
+	 *
+	 * @inheritDoc
+	 */
+	public function is_equal_payment_method( $payment_method ): bool {
+		if (
+			WC_Stripe_Payment_Methods::ACH === $payment_method->type
+			&& ( $payment_method->{WC_Stripe_Payment_Methods::ACH}->fingerprint ?? null ) === $this->get_fingerprint() ) {
+			return true;
+		}
+
+		return false;
+	}
+}