ACHQ

ACHQ is ranked #10 of 21 in ACH payment processing software on The Geeks Club. It runs on API, Web. There is no free plan. Paid plans start at $39/mo.

ACHQ plans and pricing

All plans

Starter $39/mo $39/mo Up to 500 transactions / mo · Online and mobile payments · Recurring billing · Standard 2-day settlement · Email support · Starting at 0.5% + $0.50 per ACH transaction achq.com · 28 Sept 2026

Growth $59/mo $59/mo Up to 2,500 transactions / mo · Bank account verification · Webhooks and full API access · Priority 1-day settlement · Dashboard with reporting · Phone + email support · Starting at 0.35% + $0.40 per ACH transaction achq.com · 28 Sept 2026

Scale $99/mo $99/mo Volume-based pricing · Dedicated success manager · Custom integrations and SLAs · Same-day ACH available · 24/7 priority support · Starting at $0.25 per txn; no discount fee at top tier achq.com · 28 Sept 2026

Compared on ACH payment processing software

Free plan: No
Paid from: $39/mo
Recurring ACH payments: Yes
ACH credit support: Yes
Same-day ACH: Yes
Payment links: Yes
API access: Yes
Webhook support: Yes

Best ACHQ alternatives

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6.9 Nickel Free plan

6.8 Plaid Free trial

6.5 ACH Processing Company

6.3 GoACH

6.3 PayJunction ACH Payment Processing $0.75/mo

6.2 Checkbook.io ACH API $2,000/mo

ACHQ

Product: ACHQ provides ACH and eCheck processing for merchants and payment platforms.
Payment types: The platform supports one-time ACH, recurring billing, and electronic check conversion.
Verification: ACHQ offers real-time bank account validation and accepts Plaid tokens directly for authorizing ACH transfers.
Integration options: Customers can use an ACHQ-hosted checkout page, Plaid Link tokenized capture, or a REST API.
Developer tools: The REST API uses JSON over HTTPS, supports idempotency keys, and provides SDKs for Node, Python, Ruby, and PHP.
Webhooks: ACHQ describes its webhooks as HMAC-signed, automatically retried, and replayable from the dashboard.
Reporting: The dashboard includes transaction monitoring, daily settlement reports, return-rate trends, exports, and an immutable user action log.
Security: ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information.
Compliance: ACHQ's trust portal lists CCPA and GLBA and offers access to security documentation; it says it is working on security compliance and can provide completed questionnaires upon request.
Support: ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale.
Settlement: ACHQ states standard ACH settlement is 1–2 days and says same-day ACH is available for time-sensitive payments.
Who it serves: ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants.
Sandbox: ACHQ says sandbox API access is free and production use requires applying for a production account.
Headquarters: Sarasota, Florida, United States
Price from: $39/mo

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Where it ranks on The Geeks Club

Best ACH Payment Processing Software in 2026#10 of 21

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Sources

achq.com· checked 28 Sept 2026
achq.com/solutions/payments· checked 28 Sept 2026
achq.com/solutions/bank-verification· checked 28 Sept 2026
achq.com/solutions/payment-gateway· checked 28 Sept 2026
security.achq.com· checked 28 Sept 2026
achq.com/pricing· checked 28 Sept 2026