No. 5 of 21 ·ACH Payment Processing Software

ACHPAY.AI

Web · API

Freedom report

One barScore 5.4

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

ACHPAY.AI is ranked #5 of 21 in ACH payment processing software on Freedom251. It runs on API, Web. A free trial is offered.

Compared on ACH payment processing software

Recurring ACH payments: Yes
Payment links: Yes
API access: Yes
Webhook support: Yes

Best ACHPAY.AI alternatives

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Two bars OpenACH Free tier No. 1Free6.5 One bar Nickel Free tier No. 2$35/mo6.3 No signal ACH Processing Company Paid plans No. 3—5.5 No signal ACH Payments Paid plans No. 4$0.35/mo5.4 No signal GoACH Paid plans No. 6—5.4 No signal Helix ACH Paid plans No. 7—5.4

The record

Product: ACHPAY.AI describes itself as an all-in-one platform for payments, accounting, CRM, and marketing.
ACH billing: Its ACH billing service supports recurring billing, customizable subscription intervals, prorations, upgrades, and downgrades.
Fees: The ACH billing page says ACH fees are as low as 0.35% and never more than $5.00 per transaction.
Funding: The service offers next-day funding options.
Reconciliation: It says payments can be automatically matched to invoices and synced with accounting software.
Risk controls: The ACH billing page lists underwriting, KYC/AML compliance, and fraud monitoring.
Bank linking: Customers can link bank accounts via Plaid or micro-deposits.
Integrations: The home page lists pre-built integrations with QuickBooks, Xero, and HubSpot.
API and webhooks: The home page describes API documentation for custom development and webhooks for real-time event synchronization.
Security: The ACH billing page states that it uses 256-bit encryption, tokenized bank account information, continuous security monitoring, and penetration testing.
Compliance: The ACH billing page claims NACHA compliance, PCI DSS Level 1, and automated SOC 2 Type II compliance reporting.
Who it serves: The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces.
Trial: The home page and ACH billing page display a “Start Your Free Trial” call to action, without stating the trial duration.

Where it ranks on Freedom251

Best ACH Payment Processing Software in 2026#5 of 21

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Sources

achpay.ai· checked 4 Oct 2026
achpay.ai/services/ach-billing· checked 4 Oct 2026