OpenACH

Spec sheet

What it does

OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer.Read 15 Oct 2026 · openach.com

Purpose

OpenACH is an open-source, web-based platform for ACH origination and payment processing.Read 4 Oct 2026 · openach.com

Audience

The maker describes OpenACH for businesses seeking ACH processing, organizations integrating existing payment systems, and developers or system integrators.Read 4 Oct 2026 · openach.com

Deployment

OpenACH can be downloaded as a Docker image or as source for installation on an existing web application server.Read 4 Oct 2026 · openach.com

API

OpenACH offers a REST/JSON API for integrating business software with ACH payment processing.Read 4 Oct 2026 · openach.com

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.Read 4 Oct 2026 · openach.com

Security

The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it.Read 4 Oct 2026 · openach.com

Support

OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance.Read 15 Oct 2026 · openach.com

License

The repository license identifies the OpenACH Community License as GNU GPL version 3.Read 15 Oct 2026 · github.com

Bank choice

The platform supports a bring-your-own-bank model and says it can use any major bank to process payments.Read 4 Oct 2026 · openach.com

Bank plugins

The CLI supports bank-plugin registration and configuration, with documented Manual, U.S. Bank, Wells Fargo and SagePay plugin classes.Read 15 Oct 2026 · openach.com

CLI administration

The command-line tool handles administration tasks such as users, payment profiles, schedulers, bank plugins, migrations and OFAC updates.Read 15 Oct 2026 · openach.com

Company headquarters

EasyOFAC, described on its site as an OpenACH company, lists 401 E 8th St, Suite 214-694, Sioux Falls, South Dakota 57103.Read 15 Oct 2026 · easyofac.com

Company registration

A Sioux Falls business-entity directory lists OPENACH, INC. among active entities.Read 15 Oct 2026 · city-data.com

Compliance API detail

EasyOFAC documents a quota endpoint showing remaining searches, overage counts, monitored-entity counts and billing-cycle dates.Read 15 Oct 2026 · easyofac.com

Credit and debit ACH

Payment types can represent credits deposited into external accounts or debits withdrawn from them.Read 15 Oct 2026 · openach.com

Documentation scope

The developer guide covers application structure, code organization, extension points, SDK integration and database relationships.Read 15 Oct 2026 · openach.com

External identifiers

Payment profiles can be linked to a customer system through an external ID.Read 15 Oct 2026 · openach.com

Independent registry capabilities

The IDB description attributes automated ACH processing, batch processing, user management, reporting and audit functions to OpenACH.Read 15 Oct 2026 · knowledge.iadb.org

Independent registry description

The Inter-American Development Bank registry lists OpenACH as a JavaScript API tool under GPLv3, version 1.9.4.Read 15 Oct 2026 · knowledge.iadb.org

Independent repository activity

GitHub shows the public repository with 131 stars, 56 forks, zero listed issues and two pull requests when viewed in October 2026.Read 15 Oct 2026 · github.com

Language extensibility

Because endpoints accept REST/JSON calls, developers can access them from any language capable of those requests and port the SDK.Read 15 Oct 2026 · openach.com

Legacy installation prerequisites

The installation guide lists Apache 2.2+, PostgreSQL 9.1+, PHP 5.3+, Yii 1.1.14+, PostgreSQL, mcrypt, cURL and DoubleMetaphone modules.Read 15 Oct 2026 · openach.com

Limit: deployment complexity

The source-install route is described as more involved than Docker and requires web-server, database, permissions and encryption-key configuration.Read 15 Oct 2026 · openach.com

Limit: Linux skills

The CLI guide says administrators need to be comfortable with Linux command-line basics because the CLI is the primary administration interface.Read 15 Oct 2026 · openach.com

Limit: payment-type editing

Payment types can only be modified through the OpenACH web interface; the API exposes them for reference when schedules are created.Read 15 Oct 2026 · openach.com

Limit: web interface role

The CLI documentation says the web interface is mainly for reference and that most work is expected to happen through API integration.Read 15 Oct 2026 · openach.com

Mobile access

The interface is described as mobile-enabled for managing ACH processing from different locations.Read 15 Oct 2026 · openach.com

NACHA libraries

OpenACH includes NACHA record and file-building libraries that can be reused to generate NACHA files.Read 15 Oct 2026 · openach.com

Notable integration news

The OpenACH site lists a post announcing U.S. Bank as its first bank and separate posts about Dwolla/FiSync and a planned Wells Fargo integration.Read 15 Oct 2026 · openach.com

Payment model

The product supports a bring-your-own-bank model so users can originate ACH transactions through their own bank.Read 15 Oct 2026 · openach.com

Payment records

The API works with payment profiles, external bank accounts, payment schedules and payment types.Read 15 Oct 2026 · openach.com

Payment scheduling

API payment schedules support one-time and recurring frequencies including daily, weekly, biweekly, monthly, annual and biennial.Read 15 Oct 2026 · openach.com

Related compliance product

The related EasyOFAC service provides REST-based OFAC screening, fuzzy matching, tokenized data and continuous monitoring.Read 15 Oct 2026 · easyofac.com

REST API

OpenACH exposes REST/JSON endpoints for authentication, record retrieval, record saving and session termination.Read 15 Oct 2026 · openach.com

SDK

The documentation demonstrates a PHP SDK with OAClient and request classes for OpenACH records.Read 15 Oct 2026 · openach.com

Security statement

The product describes itself as secure and says sensitive database information is protected with an application-wide encryption key.Read 15 Oct 2026 · github.com

Source deployment

The official download page offers both a Docker image and source installation on an existing web server.Read 15 Oct 2026 · openach.com

System requirements

The repository documents Linux, Apache and PHP deployment with PostgreSQL or SQLite, and lists PHP 7.2-7.4 as the minimum tested range.Read 15 Oct 2026 · github.com

Technology

The site describes OpenACH as written in PHP and using PostgreSQL.Read 4 Oct 2026 · openach.com

Plans and prices

Every OpenACH plan and price →

Where Specifiction places it

• ACH Payment Processing Software#2 of 218.5