Best ACH Payment Processing Software in 2026

Rotessa suits businesses that collect bank-account payments on one-time or recurring schedules, including the industries it lists.

It suits businesses embedding ACH into existing systems, merchants accepting customer-initiated payments, and companies requiring custom payment workflows.

It suits businesses that need consent-based access to bank account identity, balances and transaction history.

The maker says its products serve online and in-person retailers, subscription businesses, software platforms and marketplaces.

Authorize.net

Authorize.net suits small businesses looking to accept payments across online, in-person and phone channels.

Paymentus

Paymentus suits service providers and financial institutions seeking billing and payment options across consumer channels.

The service may suit corporate clients, municipalities and organizations handling accounts receivable or government payments.

PayJunction ACH Payment Processing

It suits merchants seeking ACH processing with recurring-payment support, digital authorization and rejected-payment follow-up.

Increase ACH

It suits technology companies building payment products or moving customer funds through ACH.

Plaid

Plaid describes Pay as You Go for individuals and developers, Growth for small teams and startups, and Custom for businesses that need to scale.

GoACH

GoACH suits high-risk businesses needing ACH credits, recurring payments, compliance controls, and API or browser access.

Profituity is intended for organizations operating ACH programs, including merchants, financial institutions, processors, and software providers.

Stripe ACH Direct Debit

It suits businesses collecting recurring or large payments from US customers’ bank accounts through Stripe integrations.

Nickel

It suits businesses seeking ACH payment options, payment pages, or integration through APIs and webhooks.