ACHQ

What ACHQ is

ACHQ provides ACH and electronic check processing for merchants and payment platforms. It handles one-time ACH payments, recurring billing, and electronic check conversion, with real-time bank account validation. Businesses can connect through an ACHQ-hosted checkout page, Plaid Link token capture, or a REST API. The API exchanges JSON over HTTPS, supports idempotency keys, and has SDKs for Node, Python, Ruby, and PHP. Webhooks are HMAC-signed, retried automatically, and can be replayed from the dashboard.

The dashboard covers transaction monitoring, daily settlement reports, return-rate trends, data exports, and an immutable user action log. ACHQ says bank account details are held as reusable tokens so customer systems do not handle account personal information. Standard settlement takes 1–2 days, with same-day ACH available for time-sensitive payments. Plans start with Starter at $39/mo, plus ACH transaction fees starting at 0.5% + $0.50 per transaction. Growth is $59/mo and Scale is $99/mo, with features and transaction pricing varying by plan. Sandbox API access is free; production use requires applying for an account.

Who it suits

ACHQ suits merchants, platforms, ISVs, and partners serving merchants that need one-time or recurring ACH and eCheck processing. Growth includes full API access and support options for teams with integration or settlement requirements.

Limits

Starter costs $39/mo and allows up to 500 transactions per month, with ACH transaction fees starting at 0.5% + $0.50 each. Growth costs $59/mo for up to 2,500 transactions per month; Scale costs $99/mo with volume-based pricing.

Getting started

1. Open the ACHQ website.
2. Use the free sandbox API access to work with the integration.
3. Choose a plan based on transaction volume and required features.
4. Apply for a production account before using ACHQ for production payments.
5. Integrate through hosted checkout, Plaid Link token capture, or the REST API.

Verdict

Choose ACHQ if your business needs ACH or eCheck processing with recurring billing, account validation, and several integration routes. Review the plan transaction caps and per-transaction fees when estimating costs; Starter begins at $39/mo plus fees.