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ACH Payments

ach-payments.com

From $0.35/mo WebAPI
Visit ach-payments.com
Spec score 8.6 #1 of 21 in ACH Payment Processing Software

What it is

ACH Payments provides paid ACH and credit or debit card processing through a web virtual terminal and API. The terminal handles single, future-dated, and recurring payments, with scheduling, recurring billing, user permissions, customizable receipts, and exportable reports. Website tools create hosted payment pages with custom fields for one-time or recurring charges. Its QuickBooks module supports ACH and card transactions, recurring or one-time payments, reporting, and tokenization. A ChurchSquare integration updates payment histories in ChurchSquare while activity remains trackable in the virtual terminal. The company says tokenization replaces bank-account data so it need not sit on client servers or databases. The terminal is described as Level 1 PCI compliant and lists address, velocity, checking-account, and identity verification tools. ChurchSquare special pricing is $0.35 a month, billed as $20.00 monthly for three accounts plus reporting and 800# support, with additional transaction and return fees specified.

Spec sheet

What it does
ACH Payments provides ACH and credit-card processing for businesses, including recurring billing and payment aggregation programs.Read 15 Oct 2026 · ach-payments.com
Integrations
The QuickBooks payments module supports ACH and card transactions, one time and recurring transactions, integrated reporting, and tokenization.Read 4 Oct 2026 · ach-payments.com
Security
The company says its tokenization solutions replace bank account data so it need not be stored on client servers and databases.Read 4 Oct 2026 · ach-payments.com
ACH dispute scope
The site says ACH disputes are limited to an incorrect date, an incorrect amount or an unauthorized debit.Read 15 Oct 2026 · ach-payments.com
ACH retry handling
NSF returns can be automatically retried with up to two configurable attempts.Read 15 Oct 2026 · ach-payments.com
Anti-fraud verification
Available verification services check identity, bank-account ownership, funds availability and account status through API integrations.Read 15 Oct 2026 · ach-payments.com
API capabilities
Gateway APIs support recurring schedules, notifications, webhooks or callbacks, verification, risk limits, white-label onboarding and API-key provisioning.Read 15 Oct 2026 · ach-payments.com
API styles
The gateway documentation describes REST and XML APIs, language-specific SDK options, hosted payment pages and JavaScript modals.Read 15 Oct 2026 · ach-payments.com
Canada support
The integration material lists Canadian EFT alongside U.S. ACH and card processing.Read 15 Oct 2026 · ach-payments.com
Card security
The virtual terminal page describes the service as Level 1 PCI compliant and says it uses credit card tokenization.Read 4 Oct 2026 · ach-payments.com
ChurchSquare integration
ChurchSquare payment histories update in ChurchSquare and can also be tracked through the online virtual terminal.Read 4 Oct 2026 · ach-payments.com
Company age claim
The company page says ACH Payments has served businesses for more than 13 years.Read 15 Oct 2026 · ach-payments.com
Company guarantee
ACH Payments promises to refund all processing fees incurred during the first 60 days if the customer is dissatisfied.Read 15 Oct 2026 · ach-payments.com
Company headquarters
The terms page gives an office address of 15 Ingersoll Road, Saratoga Springs, New York 12866, United States.Read 15 Oct 2026 · ach-payments.com
Company name
The merchant agreement identifies the service provider as ACH Direct, Inc., abbreviated ACHD.Read 15 Oct 2026 · ach-payments.com
Developer support
The API material describes bespoke integrations, an API toolkit and IT support, while the site also offers an XLS macro and tutorials for creating ACH files and uploading them by virtual terminal or FTP.Read 15 Oct 2026 · ach-payments.com
Guarantee
The company says it will refund 100% of processing fees in the first 60 days if the customer is not satisfied.Read 4 Oct 2026 · ach-payments.com
Independent accounting integration
LinkedIn states that the service can automatically update an accounting package after payment processing.Read 15 Oct 2026 · linkedin.com
Independent company category
LinkedIn categorizes ACH Payments as a privately held financial-services company with 2–10 employees and three listed employees.Read 15 Oct 2026 · linkedin.com
Independent cost claim
LinkedIn presents the company’s claim that payment-processing costs may be reduced by 80% or more.Read 15 Oct 2026 · linkedin.com
Independent payment channels
LinkedIn says customers can accept eChecks or checks by telephone or fax in addition to electronic ACH and card payments.Read 15 Oct 2026 · linkedin.com
Independent recurring-payment description
LinkedIn describes one-time and recurring payment plans, combined ACH, check and card processing, and automated NSF collection.Read 15 Oct 2026 · linkedin.com
Independent volume claim
LinkedIn says the platform is intended for workloads ranging from about 10 transactions per month to 10,000 per day.Read 15 Oct 2026 · linkedin.com
Intended customers
The company describes its services as serving businesses of all sizes and software providers, including organizations with recurring payment needs.Read 4 Oct 2026 · ach-payments.com
Limit: consumer support
The contact page says it does not handle personal inquiries about missing payments, account debits or identifying bank-statement transactions.Read 15 Oct 2026 · ach-payments.com
Limit: settlement timing
The ACH information page says confirmation generally takes two to three days, can take up to four, and funding typically takes four days.Read 15 Oct 2026 · ach-payments.com
Location
The terms page lists the company’s offices as located in New York State, and gives a Saratoga Springs, New York mailing address.Read 4 Oct 2026 · ach-payments.com
Mobile processing
The mobile payment offering uses a PCI 3.1-compliant card reader and states that card data is never stored in the mobile application.Read 15 Oct 2026 · ach-payments.com
Payment management
Virtual terminal features include scheduled payments, recurring billing, user permissions, customizable email receipts, and exportable reports.Read 4 Oct 2026 · ach-payments.com
Payment methods
Its payment-solutions page describes single and recurring ACH, credit cards, eChecks, bill pay and phone-based IVR payments.Read 15 Oct 2026 · ach-payments.com
Phone support
The contact page lists the phone number 888.729.4968 and says form submissions will receive a response within one business day.Read 4 Oct 2026 · ach-payments.com
Product suite
The product catalogue lists integration APIs, a virtual terminal, web payments, a QuickBooks plugin, point-of-sale tools and mobile payments.Read 15 Oct 2026 · ach-payments.com
Proprietary licence
The merchant agreement grants a non-exclusive, non-transferable right to use contracted services; no open-source licence is stated.Read 15 Oct 2026 · ach-payments.com
QuickBooks integration
The QuickBooks module combines ACH and card processing, supports one-time, POS, card-not-present and recurring transactions, and includes reporting and deposit conversion.Read 15 Oct 2026 · ach-payments.com
QuickBooks pricing
The plugin page says it is a free addition for new customers and includes a 60-day no-hassle guarantee.Read 15 Oct 2026 · ach-payments.com
QuickBooks security
The QuickBooks gateway is described as PCI certified and tokenizes transaction data so sensitive values are not retained in QuickBooks or local computers.Read 15 Oct 2026 · ach-payments.com
Recurring billing
Recurring schedules can use a backup payment method, credit-card expiration reporting, customized email receipts and multiple future-date frequencies.Read 15 Oct 2026 · ach-payments.com
Security and compliance
The company says tokenization removes bank data from client servers and databases, while its merchant agreement requires applicable NACHA and PCI-DSS self-audits.Read 15 Oct 2026 · ach-payments.com
Support inclusion
The ChurchSquare pricing page says its $20 monthly total for three accounts includes reporting and 800# support.Read 4 Oct 2026 · ach-payments.com
Third-party integration
ACH Payments says it develops custom connections with third-party software partners and helps them offload payment-compliance work.Read 15 Oct 2026 · ach-payments.com
Verification
The virtual terminal lists address verification, velocity controls, checking account verification, and identity verification among its anti fraud tools.Read 4 Oct 2026 · ach-payments.com
Virtual terminal
The virtual terminal is a browser application for one-time or recurring ACH and card transactions, with manual entry, file upload and machine-read input.Read 15 Oct 2026 · ach-payments.com
Virtual-terminal reporting
Reports cover returns, deposits, origination, verification and scheduled transactions, with exports and a tool that reconciles funding deposits to their component transactions.Read 15 Oct 2026 · ach-payments.com
Virtual-terminal security
The virtual terminal is described as PA-DSS certified, Level 1 PCI compliant and using card tokenization plus address, velocity, account and identity checks.Read 15 Oct 2026 · ach-payments.com
Web payment security
Hosted and JavaScript payment options can send sensitive data directly to a PCI Level 1 gateway and return a reference token instead of leaving bank data on the merchant server.Read 15 Oct 2026 · ach-payments.com
Website payments
Its website payment tools can create hosted payment pages with custom fields for one time or recurring payments.Read 4 Oct 2026 · ach-payments.com

Plans and prices

Recurring ACH calculator assumption $0.25, paid once $0.25 per ACH transaction and $2 per return Calculator assumes a 1.5% ACH decline rate Read 15 Oct 2026 · ach-payments.com
ChurchSquare special pricing $0.35 a month $20.00 monthly for three accounts plus reporting and 800# support; ACH transaction fee is .35 each, plus .01 gateway fee per transaction and $2.50 per return; $0 application fee. For ChurchSquare users · prices apply to the described ACH and gateway services Read 4 Oct 2026 · ach-payments.com
ChurchSquare $20 a month $20.00 monthly for three accounts, reporting and 800-number support; ACH $0.35 per transaction; ACH returns $2.50; gateway $0.01 per transaction; $0 application fee Requires application, voided check and two months of bank statements · typical approval 4–5 business days Read 15 Oct 2026 · ach-payments.com
WaterFlex AutoDebit $29 a month $29 monthly for ACH account, card merchant account, gateway and 800-number support; ACH $0.30 per transaction; returns $2.50 Pricing page includes a dated limited-time offer with free setup and first-month credit Read 15 Oct 2026 · ach-payments.com

Every ACH Payments plan and price →

Strong points and limits

Strong points

  • Supports recurring and future-dated payments
  • Web terminal plus API access
  • Hosted pages allow custom fields
  • QuickBooks reporting and tokenization
  • Listed fraud and identity checks

Limits

  • Paid processing includes transaction and return fees
  • ChurchSquare pricing includes multiple extra fees
  • No free plan is listed

Who it suits

Businesses and software providers needing ACH or card collection, including recurring-payment operations. ChurchSquare and QuickBooks users have specifically listed integrations.

Verdict

ACH Payments covers recurring ACH and card workflows with web, API, hosted-page, QuickBooks, and ChurchSquare options. Review the detailed ChurchSquare fees and processing terms before choosing it.

Where Specifiction places it

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