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Best ACH Payment Processing Software in 2026

20 ach payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.

20ranked
2free plans on this page
$0.75/molowest paid tier
2 Oct 2026last checked
#1 ACHQ Top pick · 7.6 $39/mo #2 Stripe ACH Direct Debit Runner-up · 7.6 #3 Plaid Also great · 7.6 Free plan · Free
  1. 1

    ACHQ

    7.6
    apiWeb
    Free plan
    No
    Paid from
    39 /mo
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Same-day ACH
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    $39/mofirst paid tier About ACHQVisit site
  2. 2

    Stripe ACH Direct Debit

    7.6
    apiWeb
    Free plan
    No
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About Stripe ACH Direct DebitVisit site
  3. 3

    Plaid

    7.6
    Free planFree trial AndroidapiiOSWeb
    Free plan
    No
    RecognisedDocumentedFree planFree trialPlatforms
    Free About PlaidVisit site
  4. 4

    PayJunction ACH Payment Processing

    7.4
    apiextensioniOSWeb
    Free plan
    No
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    $0.75/mofirst paid tier About PayJunction ACH Payment ProcessingVisit site
  5. 5

    GoACH

    7.3
    apiWeb
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Same-day ACH
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About GoACHVisit site
  6. 6

    Paymentus

    7.1
    Web
    Recurring ACH payments
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About PaymentusVisit site
  7. 7

    Dwolla

    6.7
    Web
    Free plan
    No
    RecognisedDocumentedFree planFree trialPlatforms
    About DwollaVisit site
  8. 8

    Profituity

    6.7
    apiWeb
    Free plan
    No
    Paid from
    10 /mo
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Same-day ACH
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    $10/mofirst paid tier About ProfituityVisit site
  9. 9

    Authorize.net

    6.6
    Web
    Free plan
    No
    Paid from
    25 /mo
    Recurring ACH payments
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About Authorize.netVisit site
  10. 10

    ACH Processing Company

    6.6
    Web
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About ACH Processing CompanyVisit site
  11. 11

    OpenACH

    6.6
    Free plan Web
    Free plan
    Yes
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    Free About OpenACHVisit site
  12. 12

    Increase ACH

    6.5
    apiWeb
    Free plan
    No
    ACH credit support
    Yes
    Same-day ACH
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About Increase ACHVisit site
  13. 13

    ACHPAY.AI

    6.5
    Web
    Recurring ACH payments
    Yes
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About ACHPAY.AIVisit site
  14. 14

    Rotessa

    6.4
    WebWindowsmacOS
    Free plan
    No
    Paid from
    17 /mo
    Recurring ACH payments
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About RotessaVisit site
  15. 15

    Checkbook.io ACH API

    6.3
    apiWeb
    Free plan
    No
    Paid from
    2,000 /mo
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    Same-day ACH
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    $2,000/mofirst paid tier About Checkbook.io ACH APIVisit site
  16. 16

    First ACH API

    6.1
    Web
    Recurring ACH payments
    Yes
    ACH credit support
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About First ACH APIVisit site
  17. 17

    ACH Payments

    5.8
    Web
    Recurring ACH payments
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About ACH PaymentsVisit site
  18. 18

    Stryd

    5.6
    Web
    Free plan
    No
    Recurring ACH payments
    Yes
    ACH credit support
    No
    Payment links
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About StrydVisit site
  19. 19

    Helix ACH

    5.4
    Web
    Recurring ACH payments
    Yes
    RecognisedDocumentedFree planFree trialPlatforms
    About Helix ACHVisit site
  20. 20

    GoCardless Bank Account Data

    5.2
    Web
    RecognisedDocumentedFree planFree trialPlatforms
    About GoCardless Bank Account DataVisit site

Is your platform on this list?

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Questions about this list

Which ach payment processing software is ranked first on The Geeks Club?

ACHQ is ranked #1 of 20 with a score of 7.6. Stripe ACH Direct Debit is second and Plaid third.

How many of these have a free plan?

2 of the 20 on this page publish a free plan on their own pricing pages.

Which is the cheapest paid option?

On this page, PayJunction ACH Payment Processing has the lowest first paid tier we found: $0.75/mo.

How is this list ranked?

Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on. Paid placements never change a rank.

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