ACH Payments vs Authorize.net
ACH Payments
ach-payments.com
Authorize.net
authorize.netSide by side
| Figure | ACH Payments | Authorize.net |
|---|---|---|
| Price from | $0.35/mo | $25/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 3 |
| Spec score · ACH Payment Processing Software | 8.6 (#1) | 8.0 (#7) |
| Integrations | The QuickBooks payments module supports ACH and card transactions, one time and recurring transactions, integrated reporting, and tokenization. | Authorize.net provides an API with XML and JSON variants, and a certified network of technology and solution partners. |
| Payment methods | Its payment-solutions page describes single and recurring ACH, credit cards, eChecks, bill pay and phone-based IVR payments. | It supports major cards, Apple Pay, Google Pay, PayPal, and eChecks. |
| Recurring billing | Recurring schedules can use a backup payment method, credit-card expiration reporting, customized email receipts and multiple future-date frequencies. | Automated Recurring Billing supports subscriptions, retainers, and payment plans. |
| Security | The company says its tokenization solutions replace bank account data so it need not be stored on client servers and databases. | The pricing page describes its gateway as secure and lists customizable fraud detection tools. |
| What it does | ACH Payments provides ACH and credit-card processing for businesses, including recurring billing and payment aggregation programs. | Authorize.net helps businesses accept electronic and credit card payments in person, online, and over the phone. |
Plans
ACH Payments
- Recurring ACH calculator assumption$0.25, paid once
- ChurchSquare special pricing$0.35 a month
- ChurchSquare$20 a month
- WaterFlex AutoDebit$29 a month
Authorize.net
- All-in-one$25 a month
- Gateway only$25 a month
- Gateway + eCheck$25 a month
In their own words
ACH Payments
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.
Authorize.net
Authorize.net helps businesses accept electronic and credit card payments online, in person and by phone. It supports major cards, Apple Pay, Google Pay, PayPal and eChecks, with channels for website checkout, mobile payments, in-person card readers, phone orders through Virtual Terminal and digital invoicing. Automated Recurring Billing supports subscriptions, retainers and payment plans. Customer Information Manager stores payment details for returning customers, while Advanced Fraud Detection Suite offers customizable rules to flag suspicious activity. The service lists web, iOS, Android and API platforms, XML and JSON API variants, and a certified network of technology and solution partners. Merchant support is available 24x7 except major holidays. Authorize.net says its processing is designed for small businesses and that it has worked with merchants and small businesses since 1996. There is no free plan. All listed plans cost $25 per month: All-in-one adds 2.9% + 30¢ per transaction; Gateway only adds 10¢ per transaction plus a 10¢ daily batch fee and requires an existing merchant account. Gateway + eCheck lists 0.75% for eCheck and 10¢ per card transaction plus a 10¢ daily batch fee; eCheck is available only to U.S.-based businesses.