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SPECIFICTION
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GoACH

goach.com

WebAPI
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Spec score 7.2 #16 of 21 in ACH Payment Processing Software

What it is

GoACH is a NACHA-compliant ACH processor for high-risk businesses such as merchant cash advance, credit repair, debt settlement, and collections. It is available through a web terminal and REST API, supporting ACH credits, recurring schedules, same-day ACH, and smart routing. Dashboards track returns and anomaly alerts through an AI risk engine trained on merchant cash advance transaction patterns. Compliance support includes CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned with NACHA rules. The browser terminal requires no installation or API integration and provides reports with CSV export. The API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting, with GoACH credentials required. Standard ACH funds typically settle within 1–2 business days; same-day processing is available before the cutoff window. Pricing is by quote and depends on industry, volume, and risk profile. The listed plan notes transaction, percentage, monthly, return, same-day, and reserve-related charges may apply.

Spec sheet

Product
GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.Read 2 Oct 2026 · goach.com
API
The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH.Read 2 Oct 2026 · goach.com
Integrations
GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records.Read 2 Oct 2026 · goach.com
Security
Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information.Read 2 Oct 2026 · goach.com
Compliance
GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules.Read 2 Oct 2026 · goach.com
Support
GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224.Read 2 Oct 2026 · goach.com
Headquarters
Charlotte, North Carolina, United StatesRead 28 Sep 2026 · goach.com
Company
GoACH is operated by Unity FI Solutions LLC and headquartered in Charlotte, North Carolina.Read 2 Oct 2026 · goach.com
Browser terminal
The online terminal works in a browser without installation or API integration and supports transaction reports and CSV export.Read 2 Oct 2026 · goach.com
Payment processing
The platform supports same-day ACH and describes real-time processing with smart routing.Read 2 Oct 2026 · goach.com
Pricing limits
Exact account pricing depends on industry, processing volume, and risk profile, and reserve requirements are set during underwriting.Read 2 Oct 2026 · goach.com
Risk monitoring
Its AI risk engine is trained on MCA transaction patterns, and live dashboards track returns and provide anomaly alerts.Read 2 Oct 2026 · goach.com
Settlement
The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window.Read 2 Oct 2026 · goach.com
Supported industries
The maker lists merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses as industries served.Read 2 Oct 2026 · goach.com

Plans and prices

Custom pricing Priced on request 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 Read 2 Oct 2026 · goach.com

Every GoACH plan and price →

Strong points and limits

Strong points

  • Supports same-day ACH and recurring payments
  • REST API covers transactions and reporting
  • NACHA-aligned SEC code support
  • Browser terminal needs no installation
  • Return monitoring and anomaly alerts

Limits

  • Pricing depends on industry, volume, and risk
  • Reserve requirements are set during underwriting
  • Same-day ACH costs extra

Who it suits

GoACH suits high-risk businesses needing ACH credits, recurring payments, compliance controls, and API or browser access. Listed industries include merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses.

Verdict

GoACH combines ACH processing, compliance tooling, browser access, and an API for high-risk industries. Quote-based pricing and underwriting reserves mean the final cost and terms require direct evaluation.

Where Specifiction places it

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