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Best ACH Payment Processing Software in 2026

For businesses handling payments through the ACH network, processing options can be compared against how funds are collected, sent, or scheduled. Compared on ACH credit support, recurring ACH payments, same-day ACH, and transaction limits, the entries surface details relevant to payment flows. Payment links may suit collection needs, while API access and webhook support are useful integration points to review. Check free-plan availability and paid-from pricing as well. OpenACH, Nickel, and ACH Processing Company are among the options shown, with ACH Payments and ACHPAY.AI also listed. Match the published capabilities and limits to the transactions and connections your business needs.

  1. 1

    OpenACH

    Free plan Open source AndroidAPIiPhone+3

    Choose OpenACH if you need ACH processing with a bring-your-own-bank setup and want an API, NACHA libraries or self-hosted deployment.

    8.8 Free plan Visit site
  2. 2

    ACHPAY.AI

    Free trial APIWeb
    6.3 Pricing on request Visit site
  3. 3

    Nickel

    Free plan Web

    Choose Nickel if your business needs web-based ACH payment features and a plan sized to its user and payment-page needs.

    6.1 Free plan · paid from $35/mo (annual) · 14-day trial Visit site
  4. 4

    First ACH API

    Free trial APIWeb

    Choose First ACH API if you need ACH payments connected to an existing system, with transaction updates in your own interface and support for recurring payments.

    6.0 Pricing on request · 30-day trial Visit site
  5. 5

    Plaid

    Free trial AndroidAPIiPhone+1

    Choose Plaid if your app or service needs financial account connections, financial data, or bank payment processing across its listed products.

    6.0 Pricing on request Visit site
  6. 6

    Authorize.net

    Paid AndroidAPIiPhone+1

    Authorize.net supports several payment channels and recurring billing, with fraud tools and merchant support.

    5.9 From $25/mo Visit site
  7. 7

    Rotessa

    Free trial APIMacWeb+1

    Rotessa combines scheduled bank withdrawals with payment authorization, reporting, and accounting integrations.

    5.9 From $17/mo Visit site
  8. 8

    ACH Payments

    Paid APIWeb

    ACH Payments combines online payment management, hosted payment pages, and API access. The listed ChurchSquare plan has a monthly total and additional transaction and return fees to account for.

    5.8 Visit site
  9. 9

    ACHQ

    Paid APIWeb

    Choose ACHQ if your business needs ACH or eCheck processing with recurring billing, account validation, and several integration routes.

    5.7 From $39/mo Visit site
  10. 10

    Checkbook.io ACH API

    Paid APIWeb

    Checkbook.io ACH API suits businesses sending bank payments at scale through an API or dashboard, especially those using its listed accounting integrations.

    5.6 From $2,000/mo Visit site
  11. 11

    Dwolla

    Paid APIWeb

    Dwolla offers payment-rail connectivity, payouts, wallets, open banking, and developer tooling for embedded-payment products.

    5.6 Pricing on request Visit site
  12. 12

    GoACH

    Paid APIWeb

    GoACH pairs ACH processing with compliance reporting, monitoring, a browser terminal, and API access.

    5.5 Pricing on request Visit site
  13. 13

    PayJunction ACH Payment Processing

    Paid APIExtensioniPhone+1

    PayJunction combines recurring ACH processing with authorization handling and payment-rejection follow-up.

    5.5 Visit site
  14. 14

    Paymentus

    Paid AndroidAPIiPhone+1

    Paymentus combines consumer payment options with operational reporting, integrations, and disbursement capabilities. Prospective customers need to request pricing details.

    5.5 Pricing on request Visit site
  15. 15

    ACH Processing Company

    Paid APIWeb

    ACH Processing Company combines payment processing, portal administration, reporting, and API access. Prospective customers need to contact the company for pricing or a demo.

    5.4 Pricing on request Visit site
  16. 16

    Increase ACH

    Paid APIWeb

    Consider Increase ACH if your technology company needs programmatic or web-based ACH origination, return tracking, inbound payment controls, and payment status visibility.

    5.4 From $0.50 Visit site
  17. 17

    Helix ACH

    Paid Web

    Helix ACH combines invoice management, scheduled or on-demand ACH debits, and payment monitoring in an online dashboard. Teams should request pricing to assess fit.

    5.3 Pricing on request Visit site
  18. 18

    GoCardless Bank Account Data

    Paid APIWeb

    Choose GoCardless Bank Account Data when a business needs bank account and transaction information through a consent-based API.

    5.1 Pricing on request Visit site
  19. 19

    Profituity

    Paid APIWeb

    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.

    5.1 From $10/mo Visit site
  20. 20

    Stripe ACH Direct Debit

    Paid APIWeb

    Stripe ACH Direct Debit provides reusable US bank-account payments with several checkout integrations and settlement choices.

    5.0 Visit site
  21. 21

    Stryd

    Paid APIWeb

    Stryd combines recurring ACH billing with payment links and several integration routes.

    5.0 Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

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