ACH Payments vs ACHPAY.AI

ACH Payments provides paid ACH and credit or debit card processing through a web virtual terminal and API. The terminal handles single, future-dated, and recurring payments, with scheduling, recurring billing, user permissions, customizable receipts, and exportable reports. Website tools create hosted payment pages with custom fields for one-time or recurring charges. Its QuickBooks module supports ACH and card transactions, recurring or one-time payments, reporting, and tokenization. A ChurchSquare integration updates payment histories in ChurchSquare while activity remains trackable in the virtual terminal. The company says tokenization replaces bank-account data so it need not sit on client servers or databases. The terminal is described as Level 1 PCI compliant and lists address, velocity, checking-account, and identity verification tools. ChurchSquare special pricing is $0.35 a month, billed as $20.00 monthly for three accounts plus reporting and 800# support, with additional transaction and return fees specified.

ACHPAY.AI combines payments, accounting, CRM and marketing in a web and API platform. Its offerings include ACH billing, credit card processing, accounting software and recurring billing software. ACH billing supports recurring charges, configurable subscription intervals, prorations, upgrades and downgrades. Bank accounts can be linked through Plaid or micro-deposits, and the service offers payment links and next-day funding options. ACH fees are listed as starting at 0.35% and capped at $5.00 per transaction; the ACH processing plan is $0.35 per contact, up to $5.00 per transaction. Payments can be matched to invoices automatically and synced with accounting software. The billing API supports subscription schedules, one-off and recurring invoices, tax calculation and webhook events. Pre-built integrations listed are QuickBooks, Xero and HubSpot. Risk controls include underwriting, KYC/AML compliance and fraud monitoring. The maker states it uses 256-bit encryption, tokenized bank information, continuous security monitoring and penetration testing, and claims NACHA compliance, PCI DSS Level 1 and automated SOC 2 Type II compliance reporting. A free trial is offered, with duration unstated; pricing is on request.