GoACH

6.3easy start · #7 of 21
in ACH Payment Processing Software

Free to practise onnot on record
Free trialnot on record
Well documentedyes
Runs where you worknot on record

Runs on api, Web.

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GoACH is ranked #7 of 21 in ACH payment processing software on The Geeks Club. It runs on API, Web.

GoACH plans and pricing

All plans

Custom pricing Not published Quote based on industry, processing volume, and risk profile Per-transaction fee typically $0.20 – $1.50 · percentage fee may apply · monthly fee varies · return fee $5 – $35 · same-day ACH costs extra · reserve case-by-case goach.com · 2 Oct 2026

Compared on ACH payment processing software

Recurring ACH payments: Yes
ACH credit support: Yes
Same-day ACH: Yes
API access: Yes
Webhook support: Yes

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The record

Product: GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.
Payment processing: The platform supports same-day ACH and describes real-time processing with smart routing.
Risk monitoring: Its AI risk engine is trained on MCA transaction patterns, and live dashboards track returns and provide anomaly alerts.
Compliance: GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules.
API: The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH.
Security: Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information.
Supported industries: The maker lists merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses as industries served.
Integrations: GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records.
Browser terminal: The online terminal works in a browser without installation or API integration and supports transaction reports and CSV export.
Settlement: The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window.
Support: GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224.
Pricing limits: Exact account pricing depends on industry, processing volume, and risk profile, and reserve requirements are set during underwriting.
Company: GoACH is operated by Unity FI Solutions LLC and headquartered in Charlotte, North Carolina.
Headquarters: Charlotte, North Carolina, United States

Where it ranks on The Geeks Club

Best ACH Payment Processing Software in 2026#7 of 21

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Sources

goach.com· checked 2 Oct 2026
goach.com/ach-api-documentation/· checked 2 Oct 2026
goach.com/guide/security/· checked 2 Oct 2026
goach.com/ach-payment-processor/· checked 2 Oct 2026
goach.com/mca-track/· checked 2 Oct 2026
goach.com/online-ach-processing-terminal/· checked 2 Oct 2026
goach.com/ach-processing-fees/· checked 2 Oct 2026
goach.com/guide/contact-support/· checked 2 Oct 2026