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Tech riderRev. 4 Oct 2026

OpenACH

Ch 017.2of 21 ACH Payment Processing Software
  1. 1Runs onAndroid, API, iOS, self-hosted, Web
  2. 2CostsFree plan
  3. 3Recurring ACH paymentsYes
  4. 4ACH credit supportYes
  5. 5API accessYes
5 lines stated Written from the maker's own pages: openach.com
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The OpenACH homepage

Overview

OpenACH is ranked #1 of 21 in ACH payment processing software on Specifiction. It runs on Android, API, iOS, Self-hosted, Web. There is a free plan.

OpenACH plans and pricing

All plans
OpenACH open-source software Free Free under GPL v3.0 for open-source applications distributed under GPL openach.com · 4 Oct 2026
OEM Commercial License Not published For OEMs, ISVs, and VARs distributing OpenACH with products without distributing source under GPL v3.0 openach.com · 4 Oct 2026

Compared on ACH payment processing software

Free plan
Yesopenach.com
Recurring ACH payments
Yesopenach.com
ACH credit support
Yesopenach.com
API access
Yesopenach.com

Facts

Purpose
OpenACH is an open-source, web-based platform for ACH origination and payment processing.openach.com · 4 Oct 2026
Bank choice
The platform supports a bring-your-own-bank model and says it can use any major bank to process payments.openach.com · 4 Oct 2026
API
OpenACH offers a REST/JSON API for integrating business software with ACH payment processing.openach.com · 4 Oct 2026
NACHA libraries
The core OpenACH NACHA libraries can transform data into NACHA files for use with existing software.openach.com · 4 Oct 2026
Payment scheduling
The web front end provides a mobile-enabled interface for scheduling transactions.openach.com · 4 Oct 2026
Integrations
The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes.openach.com · 4 Oct 2026
Deployment
OpenACH can be downloaded as a Docker image or as source for installation on an existing web application server.openach.com · 4 Oct 2026
Technology
The site describes OpenACH as written in PHP and using PostgreSQL.openach.com · 4 Oct 2026
License
OpenACH is offered under GPL v3.0, with a separate commercial license available for certain distributors.openach.com · 4 Oct 2026
Security
The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it.openach.com · 4 Oct 2026
Support
The maker invites users to contact its team with simple or technical questions and says its staff know the system.openach.com · 4 Oct 2026
Audience
The maker describes OpenACH for businesses seeking ACH processing, organizations integrating existing payment systems, and developers or system integrators.openach.com · 4 Oct 2026

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Where it ranks on Specifiction

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