Best ACH Payment Processing Software in 2026
Updated
In short: Nickel is ranked #1 of 21 as of 4 October 2026, ahead of ACH Processing Company and GoACH. The best-ranked option with a free plan is OpenACH. The lowest first paid tier on this page is ACH Payments at $0.35/mo.
ACH payment processing software handles electronic payments through the Automated Clearing House network. Compare ACH credit support and transaction limits, and check whether recurring and same-day ACH payments are listed. Payment links can shape how you collect funds; API access and webhook support are useful comparison points for integrations. Free-plan availability and paid-from pricing add cost context. The ranking opens with Nickel, OpenACH, and ACH Processing Company, followed by GoACH and ACHPAY.AI. Use the listed payment capabilities, limits, and integration details to assess which options fit the payment flows you need to support.
21 ACH payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
2 of the 21 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | NickelWeb | Two bars | — | 1 of 6 | $35/mo | 6.3 | |
| 2 | ACH Processing CompanyWeb · API | One bar | — | — | 1 of 6 | — | 5.5 |
| 3 | GoACHWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 4 | ACHPAY.AIWeb · API | No signal | — | — | 1 of 6 | — | 5.2 |
| 5 | First ACH APIWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 6 | OpenACHWeb · Android · iPhone · Self-hosted · API | Two bars | — | 3 of 6 | Free | 5.2 | |
| 7 | PaymentusWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 8 | ACH PaymentsWeb · API | No signal | — | — | 1 of 6 | $0.35/mo | 5.1 |
| 9 | GoCardless Bank Account DataWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 10 | Helix ACHWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 11 | PayJunction ACH Payment ProcessingWeb · iPhone · API · Extension | One bar | — | — | 2 of 6 | $0.75/mo | 5.1 |
| 12 | PlaidWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.1 |
| 13 | ACHQWeb · API | One bar | — | — | 1 of 6 | $39/mo | 5.0 |
| 14 | Checkbook.io ACH APIWeb · API | One bar | — | — | 1 of 6 | $2,000/mo | 5.0 |
| 15 | Increase ACHWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 16 | ProfituityWeb · API | One bar | — | — | 1 of 6 | $10/mo | 5.0 |
| 17 | Stripe ACH Direct DebitWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 18 | RotessaWeb · Windows · Mac | One bar | — | — | 3 of 6 | — | 4.9 |
| 19 | Authorize.netWeb | One bar | — | — | 1 of 6 | $25/mo | 4.8 |
| 20 | StrydWeb | No signal | — | — | 1 of 6 | — | 4.8 |
| 21 | DwollaWeb | No signal | — | — | 1 of 6 | — | 4.7 |
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which ACH payment processing software is ranked first on Freedom251?
Nickel is ranked #1 of 21 with a score of 6.3. ACH Processing Company is second and GoACH third.
How many of these have a free plan?
2 of the 21 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, ACH Payments has the lowest first paid tier we found: $0.35/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation. Paid placements never change a rank.