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Tech riderRev. 2 Oct 2026

GoACH

Ch 086.5of 21 ACH Payment Processing Software
  1. 1Runs onAPI, Web
  2. 2CostsNot stated by the maker
  3. 3Recurring ACH paymentsYes
  4. 4ACH credit supportYes
  5. 5Same-day ACHYes
  6. 6API accessYes
  7. 7Webhook supportYes
6 lines stated Written from the maker's own pages: goach.com
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The GoACH homepage

Overview

GoACH is ranked #8 of 21 in ACH payment processing software on Specifiction. It runs on API, Web.

GoACH plans and pricing

All plans
Custom pricing Not published Quote based on industry, processing volume, and risk profile Per-transaction fee typically $0.20 – $1.50 · percentage fee may apply · monthly fee varies · return fee $5 – $35 · same-day ACH costs extra · reserve case-by-case goach.com · 2 Oct 2026

Compared on ACH payment processing software

Recurring ACH payments
Yesgoach.com
ACH credit support
Yesgoach.com
Same-day ACH
Yesgoach.com
API access
Yesgoach.com
Webhook support
Yesgoach.com

Facts

Product
GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.goach.com · 2 Oct 2026
Payment processing
The platform supports same-day ACH and describes real-time processing with smart routing.goach.com · 2 Oct 2026
Risk monitoring
Its AI risk engine is trained on MCA transaction patterns, and live dashboards track returns and provide anomaly alerts.goach.com · 2 Oct 2026
Compliance
GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules.goach.com · 2 Oct 2026
API
The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH.goach.com · 2 Oct 2026
Security
Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information.goach.com · 2 Oct 2026
Supported industries
The maker lists merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses as industries served.goach.com · 2 Oct 2026
Integrations
GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records.goach.com · 2 Oct 2026
Browser terminal
The online terminal works in a browser without installation or API integration and supports transaction reports and CSV export.goach.com · 2 Oct 2026
Settlement
The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window.goach.com · 2 Oct 2026
Support
GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224.goach.com · 2 Oct 2026
Pricing limits
Exact account pricing depends on industry, processing volume, and risk profile, and reserve requirements are set during underwriting.goach.com · 2 Oct 2026
Company
GoACH is operated by Unity FI Solutions LLC and headquartered in Charlotte, North Carolina.goach.com · 2 Oct 2026

Company

Headquarters
Charlotte, North Carolina, United Statesgoach.com · 28 Sept 2026

Best GoACH alternatives

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All accessCh 01 OpenACH Free planAndroidAPI Free to start7.2 All accessCh 02 Plaid Free trialAndroidAPI 7.0 All accessCh 03 Nickel Free planWeb from $35/mo6.8 All accessCh 04 ACH Processing Company APIWeb 6.7 All accessCh 05 ACHPAY.AI Free trialAPIWeb 6.7 All accessCh 06 PayJunction ACH Payment Processing APIBrowser from $0.75/mo6.6

Where it ranks on Specifiction

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Sources