Side by side
Authorize.net vs Checkbook.io ACH API
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.
Authorize.net supports several payment channels and recurring billing, with fraud tools and merchant support. Compare the monthly fee and transaction charges, and note that some legacy API methods are being phased out.
Visit Authorize.netCheckbook.io ACH API suits businesses sending bank payments at scale through an API or dashboard, especially those using its listed accounting integrations. The $1 per payment ACH option may fit individual disbursements, while the Business plan starts at $2,000 a month; buyers needing higher Digital Check limits must contact support.
Visit Checkbook.io ACH APIThe facts
| Authorize.net | Checkbook.io ACH API | |
|---|---|---|
| Free plan | No | No |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone, Web | API, Web |
| Lowest paid plan | See the plans | Business: $2,000 a month |
| Plans published | 3 | 3 |
| Maker | Not published | Not published |
| Website | authorize.net | checkbook.io |
| On ach payment processing software | #6 of 21 | #10 of 21 |
Authorize.net: what it does well
- Accepts cards, Apple Pay, Google Pay, PayPal, and eChecks.
- Automated billing supports subscriptions and payment plans.
- Fraud detection rules can be customized.
- Merchant support is available 24x7 except major holidays.
What to know first
- No free plan is listed.
- Every listed plan costs $25 a month.
- Gateway-only requires an existing merchant account.
- Legacy AIM, SIM, DPM, Relay Response, and Silent Post methods are being phased out.
Checkbook.io ACH API: what it does well
- Send ACH disbursements through an API or online dashboard.
- Recipients can receive Digital Checks by email.
- Failed transactions are automatically reconciled.
- Eligible same-day ACH settles that business day.
- QuickBooks Online and AccountingSeed integrations are available.
What to know first
- No free plan is offered.
- The default Digital Check limit is $2,000 per transaction.
- Business pricing starts at $2,000 a month.
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