First ACH API
firstach.com
What it is
First ACH API connects a business’s own interface to the First ACH payment gateway, allowing transactions to move through an existing sales process. Businesses can manage transactions from their account database, submit them as they occur, and receive updates for monitoring inside their own system. The API supports recurring ACH payments and ACH credits. Listed applications include embedding ACH payments in another product, depositing across multiple accounts, and consolidated processing for distributed networks. First ACH describes it for businesses integrating payments with existing systems, merchants adding customer-initiated payments to software or websites, and companies needing custom features. Integration requires a live Internet connection to begin. A 30-day ACH processing trial has no cancellation penalty or termination fee, although processed-payment fees still apply. Technical support is free by phone and email from trained US-based professionals. First ACH cites managed firewalls, encrypted account data, 128-bit SSL web traffic, intrusion detection, NACHA standards, and PCI requirements. Pricing is on request.
Spec sheet
- What it does
- First ACH provides ACH and electronic-check payment processing through a hosted payment gateway.Read 15 Oct 2026 · firstach.com
- Product
- First ACH API connects a business’s proprietary interface to the First ACH payment gateway to process payments using its existing sales process.Read 7 Oct 2026 · firstach.com
- Intended users
- First ACH describes the API as suited to businesses integrating payments with existing systems, merchants enabling customer-initiated payments in their software or website, and companies needing custom features.Read 7 Oct 2026 · firstach.com
- Trial
- First ACH advertises a risk-free 30-day ACH processing trial with no cancellation penalty or termination fees, while processed-payment fees still apply.Read 7 Oct 2026 · firstach.com
- Security
- First ACH says its hosted applications are protected by managed firewalls, account data is encrypted with a 768-bit key, web traffic uses 128-bit SSL, and network traffic is monitored by an intrusion detection system.Read 7 Oct 2026 · firstach.com
- Compliance
- First ACH says it is a NACHA Affiliate Program member that applies NACHA standards and has implemented PCI Security Standards Council requirements.Read 7 Oct 2026 · firstach.com
- Support
- The API page says technical support is free, and First ACH describes support through phone and email with trained US-based professionals.Read 7 Oct 2026 · firstach.com
- Headquarters
- First ACH lists its corporate headquarters at 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282.Read 7 Oct 2026 · firstach.com
- Founded
- First ACH’s management page says Paul Sabella founded First ACH in May 1998.Read 7 Oct 2026 · firstach.com
- ACH and eCheck
- The service accepts electronic checks and collects ACH payments directly from customers' checking accounts.Read 15 Oct 2026 · firstach.com
- API connection
- The API connects a merchant's proprietary website, software or account database directly to the First ACH gateway.Read 15 Oct 2026 · firstach.com
- API language support
- The API is language-independent and accepts an HTTPS request string containing the required transaction data.Read 15 Oct 2026 · firstach.com
- API status monitoring
- The API returns transaction updates so merchants can monitor payments in their own systems.Read 15 Oct 2026 · firstach.com
- API support
- First ACH says technical support for the API is free.Read 15 Oct 2026 · firstach.com
- API testing
- Merchants and affiliates receive a testing environment when they enroll in the API program.Read 15 Oct 2026 · firstach.com
- API transaction management
- The API lets businesses manage transactions inside their own database and submit them as transactions occur.Read 15 Oct 2026 · firstach.com
- Batch upload
- Users can upload multiple ACH payments through the web interface using a comma-delimited file.Read 15 Oct 2026 · firstach.com
- BBB accreditation
- The Better Business Bureau profile says First ACH is not BBB accredited.Read 15 Oct 2026 · bbb.org
- Company founder
- First ACH's management page says Paul Sabella founded the company in May 1998 and serves as president and CEO.Read 15 Oct 2026 · firstach.com
- Company headquarters
- The current contact page lists 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282.Read 15 Oct 2026 · firstach.com
- Company legal name
- Website terms identify Blue Parasol Group, LLC as doing business as First ACH.Read 15 Oct 2026 · firstach.com
- Company products
- Crunchbase describes First ACH's products as ACH payment processing and recurring-payment setup.Read 15 Oct 2026 · crunchbase.com
- Company profile
- Crunchbase lists First ACH as a private financial-services company headquartered in Columbia, Maryland, with 11-50 employees.Read 15 Oct 2026 · crunchbase.com
- Compliance claims
- The company says it exceeds NACHA requirements and has implemented PCI Security Standards Council requirements.Read 15 Oct 2026 · firstach.com
- Custom uses
- The API can support embedded ACH payments in another software product, deposits across multiple accounts, and consolidated processing for distributed networks.Read 7 Oct 2026 · firstach.com
- Customer management
- The myFirstACH dashboard adds customers, edits customer records and assigns user permissions.Read 15 Oct 2026 · firstach.com
- Documentation access
- API integration requirements are supplied by customer support rather than published in public documentation.Read 15 Oct 2026 · firstach.com
- eBill
- The eBill feature delivers bills to customers' email inboxes for payment.Read 15 Oct 2026 · firstach.com
- Funding time
- First ACH states that funds are released two business days after the transaction effective date.Read 15 Oct 2026 · firstach.com
- Independent company history
- BBB lists the business as started January 1, 1998, with Pathfinder Payment Solutions as an alternate name.Read 15 Oct 2026 · bbb.org
- Independent company size
- CrowdReviews lists First ACH with 11-25 employees, 67 active clients and estimated revenue of $3m-$5m.Read 15 Oct 2026 · crowdreviews.com
- Independent review sentiment
- CrowdReviews shows no positive or negative review currently voted helpful for First ACH.Read 15 Oct 2026 · crowdreviews.com
- Independent service description
- BBB says the company processes card and ACH transactions and also offers hardware, software, point-of-sale programming and system integration.Read 15 Oct 2026 · bbb.org
- Integration requirement
- The API page says a live Internet connection is needed to begin the integration.Read 7 Oct 2026 · firstach.com
- Limit: no check guarantee
- First ACH explicitly does not offer check-guarantee services because it considers them costly, risky and complicated.Read 15 Oct 2026 · firstach.com
- Limit: outage liability
- Website terms say the company may modify or discontinue services without notice and disclaim liability for interruption, outage or delay.Read 15 Oct 2026 · firstach.com
- Limit: public pricing
- The public pricing page shows no numerical plan rates and directs enterprise, integration and customization buyers to request a quote.Read 15 Oct 2026 · firstach.com
- Limit: split funding
- The FAQ says split deposits into multiple bank accounts are unavailable; separate ACH accounts are required.Read 15 Oct 2026 · firstach.com
- Monitoring
- The API provides transaction updates so businesses can monitor payments in their own system.Read 7 Oct 2026 · firstach.com
- NACHA relationship
- First ACH says it belongs to the NACHA Affiliate Program and applies NACHA standards to its processing programs.Read 15 Oct 2026 · firstach.com
- Online payment forms
- Merchants can create branded online payment forms customized for their customers.Read 15 Oct 2026 · firstach.com
- Pricing
- First ACH says enterprise, integration, programming, and customization solutions receive a custom proposal; the API page does not list a specific price.Read 7 Oct 2026 · firstach.com
- Published fee structure
- The maker describes an account fee, debit and credit transaction fees typically ranging from $0.15 to $0.95, and possible percentage-based discount fees.Read 15 Oct 2026 · firstach.com
- Rating on BBB
- Not rated; BBB says it lacks sufficient information to issue a rating.Read 15 Oct 2026 · bbb.org
- Rating on CrowdReviews
- 0 out of 5 from 0 reviewsRead 15 Oct 2026 · crowdreviews.com
- Recurring payments
- Recurring billing can be scheduled and is included in Corporate Plans B and C or offered as a $19.99 monthly add-on.Read 15 Oct 2026 · firstach.com
- Reporting
- The dashboard provides filtered reports and activity reports for rejected transactions.Read 15 Oct 2026 · firstach.com
- Security controls
- First ACH describes managed firewalls, 768-bit data encryption, 128-bit SSL sessions, intrusion detection and controlled-access data-center safeguards.Read 15 Oct 2026 · firstach.com
- Support hours
- The contact page lists Monday-Friday support and sales hours from 7:30 a.m. to 4:00 p.m. Arizona time.Read 15 Oct 2026 · firstach.com
- System requirements
- No specialized hardware or software is required; a working computer and internet connection are sufficient.Read 15 Oct 2026 · firstach.com
- Transactions
- The API lets businesses manage transactions from their own account database and submit them for processing as they occur.Read 7 Oct 2026 · firstach.com
- Virtual terminal
- The cloud virtual terminal manages customers, payments and reporting.Read 15 Oct 2026 · firstach.com
Plans and prices
Custom solutions Priced on request Enterprise, integration, programming or customization proposals Read 15 Oct 2026 · firstach.com
First ACH API Priced on request Custom API integration, programming, or customization requires a custom proposal; API-specific price not stated Read 7 Oct 2026 · firstach.com
First ACH Merchant + Priced on request NO SET-UP FEES · 30 DAYS RISK FEE Read 15 Oct 2026 · firstach.com
Strong points and limits
Strong points
- Supports recurring ACH payments
- Transaction updates enable system monitoring
- Custom embedded and multi-account uses
- 30-day processing trial
- Free technical support
Limits
- Pricing requires a custom proposal
- Processed-payment fees apply during trial
- Integration begins with a live Internet connection
Who it suits
It suits businesses embedding ACH into existing systems, merchants accepting customer-initiated payments, and companies requiring custom payment workflows.
Verdict
First ACH API is aimed at custom ACH integrations that keep payment management inside a business’s own system. Its trial and support reduce initial commitment, but final pricing and processing fees require clarification.
Where Specifiction places it
- ACH Payment Processing Software#4 of 218.3
