No. 1 of 21 ·ACH Payment Processing Software

OpenACH

Web · Android · iPhone · Self-hosted · API

Freedom report

Three barsScore 6.5

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

OpenACH is ranked #1 of 21 in ACH payment processing software on Freedom251. It runs on Android, API, iOS, Self-hosted, Web. There is a free plan.

OpenACH plans and pricing

All plans

OpenACH open-source software Free Free under GPL v3.0 for open-source applications distributed under GPL openach.com · 4 Oct 2026

OEM Commercial License Not published For OEMs, ISVs, and VARs distributing OpenACH with products without distributing source under GPL v3.0 openach.com · 4 Oct 2026

Compared on ACH payment processing software

Free plan: Yes
Recurring ACH payments: Yes
ACH credit support: Yes
API access: Yes

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The record

Purpose: OpenACH is an open-source, web-based platform for ACH origination and payment processing.
Bank choice: The platform supports a bring-your-own-bank model and says it can use any major bank to process payments.
API: OpenACH offers a REST/JSON API for integrating business software with ACH payment processing.
NACHA libraries: The core OpenACH NACHA libraries can transform data into NACHA files for use with existing software.
Payment scheduling: The web front end provides a mobile-enabled interface for scheduling transactions.
Integrations: The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes.
Deployment: OpenACH can be downloaded as a Docker image or as source for installation on an existing web application server.
Technology: The site describes OpenACH as written in PHP and using PostgreSQL.
License: OpenACH is offered under GPL v3.0, with a separate commercial license available for certain distributors.
Security: The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it.
Support: The maker invites users to contact its team with simple or technical questions and says its staff know the system.
Audience: The maker describes OpenACH for businesses seeking ACH processing, organizations integrating existing payment systems, and developers or system integrators.
Price from: Free

Where it ranks on Freedom251

Best ACH Payment Processing Software in 2026#1 of 21

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Sources

openach.com· checked 4 Oct 2026
openach.com/content/about-openach· checked 4 Oct 2026
openach.com/node/4· checked 4 Oct 2026
openach.com/content/download-openach· checked 4 Oct 2026
openach.com/node/42· checked 4 Oct 2026
openach.com/books/openach-user-guide· checked 4 Oct 2026