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No. 3 of 21 ·ACH Payment Processing Software

GoACH

Web · API

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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

GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections. It supports ACH credits, recurring payments, and same-day ACH, with smart routing and real-time processing described by the maker. Live dashboards track returns and flag anomalies using an AI risk engine trained on merchant cash advance transaction patterns. Compliance capabilities include CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules. The browser-based terminal works without installation or API integration and supports transaction reports and CSV export. Its REST API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API credentials must come from GoACH. Standard ACH funds typically settle within 1–2 business days, while same-day ACH is available before the cutoff window. Pricing is provided on request and depends on industry, processing volume, and risk profile. Reserve requirements are set during underwriting, and same-day ACH costs extra.

Who it is for

GoACH is aimed at high-risk businesses such as merchant cash advance, credit repair, debt settlement, and collections providers. It also serves listed industries including insurance premiums and new businesses.

What is good

  • Supports recurring ACH payments and ACH credits
  • Same-day ACH is available before the cutoff window
  • Browser terminal works without installation or API integration
  • REST API covers transactions, returns, deposits, and reporting

What to know first

  • Pricing is available on request only
  • Same-day ACH costs extra
  • Reserve requirements are set during underwriting

Verdict

GoACH pairs ACH processing with compliance reporting, monitoring, a browser terminal, and API access. Ask about account pricing, fees, and reserve requirements before deciding whether it fits your processing needs.

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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