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SPECIFICTION
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Profituity

profituity.com

From $10/mo WebAPI
Visit profituity.com
Spec score 7.3 #45 of 71 in Payment Processing Software

What it is

Profituity provides ACH payment processing, compliance, and audit-readiness services for merchants, ISVs, merchant service providers, financial institutions, and third-party processors. Profituity Cloud shows real-time ACH program status and updates with Nacha rule changes. The company says documentation is generated continuously during normal operations for exam readiness, and describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. Its API exposes nearly all website features for customer applications, with sandbox credentials for testing; HTTPS is required to protect credentials and tokens. Supported capabilities include recurring ACH payments, ACH credits, same-day ACH, and webhooks. Built-in RTO Pro integration requires approval and a site key. The RTO Pro ACH integration plan costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.

Spec sheet

What it does
Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform.Read 30 Sep 2026 · profituity.com
API
The Profituity API provides access to nearly all features available on its website for use in customer applications.Read 30 Sep 2026 · help.profituity.com
Integrations
Profituity offers built-in ACH integration with RTO Pro using a site key issued after approval.Read 30 Sep 2026 · profituity.com
Support
Profituity says its team typically responds to inquiries within one business day.Read 30 Sep 2026 · profituity.com
Headquarters
Wexford, Pennsylvania, United StatesRead 28 Sep 2026 · profituity.com
Founded
Profituity says it started in 2012.Read 30 Sep 2026 · profituity.com
API sandbox
Profituity provides sandbox access and credentials for testing API calls.Read 30 Sep 2026 · help.profituity.com
API security
Profituity instructs API clients to use HTTPS to protect credentials and tokens.Read 30 Sep 2026 · help.profituity.com
Audit readiness
Profituity says its documentation is generated continuously as part of normal operations for exam readiness.Read 30 Sep 2026 · profituity.com
Certification
Profituity describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor.Read 30 Sep 2026 · profituity.com
Cloud dashboards
Profituity Cloud provides real-time dashboards showing an institution’s ACH program status.Read 30 Sep 2026 · profituity.com
Nacha updates
Profituity Cloud updates with Nacha rule changes so policies, monitoring, and documentation stay current.Read 30 Sep 2026 · profituity.com
Office
Profituity lists its office at 5500 Brooktree Road, Suite 104, Wexford, PA 15090.Read 30 Sep 2026 · profituity.com
Portal modules
The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules.Read 30 Sep 2026 · help.profituity.com
Target customers
Profituity serves merchants, ISVs and merchant service providers, financial institutions, and third-party processors.Read 30 Sep 2026 · profituity.com

Plans and prices

RTO Pro ACH integration $10 a month billed monthly ACH processing for RTO Pro · 25¢ per transaction · $1.95 per return · $15 per unauthorized return Read 22 Sep 2026 · profituity.com
RTO Pro transaction fee Priced on request Applies per transaction Read 22 Sep 2026 · profituity.com
RTO Pro ACH processing $10 a month Monthly fee $10.00 25¢ per transaction · $1.95 per return · $15 unauthorized return · transactions $5,000+ additional 0.75% discount Read 30 Sep 2026 · profituity.com

Every Profituity plan and price →

Strong points and limits

Strong points

  • Real-time ACH program dashboards
  • Nacha rule updates
  • Continuous audit documentation
  • API with sandbox credentials
  • Supports recurring, credit, and same-day ACH

Limits

  • RTO Pro integration requires approval
  • Additional per-transaction and return fees
  • HTTPS required for API credentials
  • Pricing shown for RTO Pro integration

Who it suits

Profituity is intended for organizations operating ACH programs, including merchants, financial institutions, processors, and software providers. API and sandbox access suit teams embedding payment functions in customer applications.

Verdict

Profituity combines ACH processing with compliance monitoring, documentation, portal modules, and an API. Review the RTO Pro fees and approval requirement when estimating implementation costs.

Where Specifiction places it

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