ACH Payments vs OpenACH
ACH Payments
ach-payments.comOpenACH
openach.comSide by side
| Figure | ACH Payments | OpenACH |
|---|---|---|
| Price from | $0.35/mo | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 4 | 3 |
| Spec score · ACH Payment Processing Software | 8.6 (#1) | 8.5 (#2) |
| Company headquarters | The terms page gives an office address of 15 Ingersoll Road, Saratoga Springs, New York 12866, United States. | EasyOFAC, described on its site as an OpenACH company, lists 401 E 8th St, Suite 214-694, Sioux Falls, South Dakota 57103. |
| Integrations | The QuickBooks payments module supports ACH and card transactions, one time and recurring transactions, integrated reporting, and tokenization. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Security | The company says its tokenization solutions replace bank account data so it need not be stored on client servers and databases. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| What it does | ACH Payments provides ACH and credit-card processing for businesses, including recurring billing and payment aggregation programs. | OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer. |
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
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
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.