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Profituity
What Profituity is
Profituity provides ACH payment processing, compliance and audit-readiness services through a single platform for merchants, ISVs, merchant service providers, financial institutions and third-party processors. Profituity Cloud displays real-time dashboards of an institution’s ACH program status and incorporates Nacha rule changes to help keep policies, monitoring and documentation current. The company says documentation is produced as part of normal operations to support exam readiness, and describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. Its portal includes modules for dashboards, audit, compliance, configuration, CRM, onboarding, payments, processing, recovery, risk and sales. The API exposes nearly all website features for customer applications, with sandbox credentials for testing; clients are instructed to use HTTPS to protect credentials and tokens. The RTO Pro ACH integration is listed at $10 a month, plus 25¢ per transaction, $1.95 per return and $15 per unauthorized return. There is no free plan.
Who it suits
It serves organizations that process ACH payments, including financial institutions and third-party processors. It may also suit merchants and ISVs needing compliance tools, program dashboards or API access.
What it does well
- Real-time dashboards show ACH program status
- Documentation is generated during normal operations
- API sandbox credentials are available
- Supports recurring ACH, credits and same-day ACH
What to know first
- No free plan
- RTO Pro plan adds per-transaction and return fees
- API clients are instructed to use HTTPS
Limits
The RTO Pro ACH integration plan costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return. RTO Pro processing also lists an additional 0.75% discount for transactions of $5,000 or more.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| RTO Pro ACH integration | billed monthly · ACH processing for RTO Pro · 25¢ per transaction · $1.95 per return · $15 per unauthorized return | $10 a month |
| RTO Pro transaction fee | Applies per transaction | On request |
| RTO Pro ACH processing | Monthly fee $10.00 · 25¢ per transaction · $1.95 per return · $15 unauthorized return · transactions $5,000+ additional 0.75% discount | $10 a month |
As profituity.com lists them, read 22 Sept 2026. The maker's own page has the final word.
Getting started
- Visit https://profituity.com/.
- Choose an applicable paid RTO Pro ACH plan, starting at $10 a month.
- For the RTO Pro integration, obtain approval and use the issued site key.
- Use the API sandbox credentials to test API calls.
- Use HTTPS to protect API credentials and tokens.
Verdict
Profituity brings ACH processing, compliance and audit-readiness tools together, with an API and RTO Pro integration. The listed RTO Pro price includes additional transaction and return fees.
Questions
Is Profituity free?
No. Profituity has no free plan.
How much does the RTO Pro ACH integration cost?
It is listed at $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.
Which platforms does Profituity support?
The listed platforms are API and web.
Does Profituity provide API access?
Yes. The API exposes nearly all website features for customer applications, and sandbox credentials are available for testing.
What ACH capabilities are supported?
Profituity supports recurring ACH payments, ACH credits, same-day ACH, and webhooks.
How does the RTO Pro integration work?
It uses a site key issued after approval.
Facts from Profituity's own pages
- API
- The Profituity API provides access to nearly all features available on its website for use in customer applications. · help.profituity.com, 30 Sept 2026
- API sandbox
- Profituity provides sandbox access and credentials for testing API calls. · help.profituity.com, 30 Sept 2026
- API security
- Profituity instructs API clients to use HTTPS to protect credentials and tokens. · help.profituity.com, 30 Sept 2026
- Audit readiness
- Profituity says its documentation is generated continuously as part of normal operations for exam readiness. · profituity.com, 30 Sept 2026
- Certification
- Profituity describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. · profituity.com, 30 Sept 2026
- Cloud dashboards
- Profituity Cloud provides real-time dashboards showing an institution’s ACH program status. · profituity.com, 30 Sept 2026
- Founded
- Profituity says it started in 2012. · profituity.com, 30 Sept 2026
- Headquarters
- Wexford, Pennsylvania, United States · profituity.com, 28 Sept 2026
- Integrations
- Profituity offers built-in ACH integration with RTO Pro using a site key issued after approval. · profituity.com, 30 Sept 2026
- Nacha updates
- Profituity Cloud updates with Nacha rule changes so policies, monitoring, and documentation stay current. · profituity.com, 30 Sept 2026
- Office
- Profituity lists its office at 5500 Brooktree Road, Suite 104, Wexford, PA 15090. · profituity.com, 30 Sept 2026
- Portal modules
- The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. · help.profituity.com, 30 Sept 2026
- Support
- Profituity says its team typically responds to inquiries within one business day. · profituity.com, 30 Sept 2026
- Target customers
- Profituity serves merchants, ISVs and merchant service providers, financial institutions, and third-party processors. · profituity.com, 30 Sept 2026
- What it does
- Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform. · profituity.com, 30 Sept 2026
Where Profituity stands on Freedom251
- Payment Processing Software#60 of 71
- ACH Payment Processing Software#19 of 21