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ACHQ vs PayJunction ACH Payment Processing
Both stand on ach payment processing software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
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Choose ACHQ if your business needs ACH or eCheck processing with recurring billing, account validation, and several integration routes. Review the plan transaction caps and per-transaction fees when estimating costs; Starter begins at $39/mo plus fees.
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PayJunction combines recurring ACH processing with authorization handling and payment-rejection follow-up. Review the monthly plan charge and separately listed transaction rates when considering its costs.
Visit PayJunction ACH Payment ProcessingThe facts
| ACHQ | PayJunction ACH Payment Processing | |
|---|---|---|
| Free plan | No | No |
| Open source | Not published | Not published |
| Runs on | API, Web | API, Extension, iPhone, Web |
| Lowest paid plan | Starter: $39 a month | Standard: $0.75 a month |
| Plans published | 3 | 3 |
| Maker | Not published | Not published |
| Website | achq.com | www2.payjunction.com |
| On ach payment processing software | #9 of 21 | #13 of 21 |
ACHQ: what it does well
- Supports one-time ACH, recurring billing, and electronic check conversion.
- Offers hosted checkout, Plaid Link capture, and a REST API.
- Includes SDKs for Node, Python, Ruby, and PHP.
- Provides settlement reports, return-rate trends, exports, and an action log.
- Same-day ACH is available for time-sensitive payments.
What to know first
- No free plan or free trial.
- Starter is capped at 500 transactions per month.
- Production use requires applying for an account.
PayJunction ACH Payment Processing: what it does well
- Supports recurring ACH payments.
- Customers can sign digital authorizations by desktop or smartphone.
- Exports failed-payment lists for follow-up.
- API supports ACH electronic-check transactions.
- Zapier integration connects to over 7,000 apps.
What to know first
- No free plan is listed.
- Standard and Surcharge each cost $0.75 a month.
- API requires TLS 1.2 support.
Alternatives to ACHQ Alternatives to PayJunction ACH Payment Processing The whole list