ACH Payments vs Paymentus
ACH Payments
ach-payments.com
Paymentus
paymentus.comSide by side
| Figure | ACH Payments | Paymentus |
|---|---|---|
| Price from | $0.35/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 2 |
| Spec score · ACH Payment Processing Software | 8.6 (#1) | 7.8 (#9) |
| Integrations | The QuickBooks payments module supports ACH and card transactions, one time and recurring transactions, integrated reporting, and tokenization. | Paymentus states that it integrates with more than 450 systems, including Oracle, SAP, Itineris, Harris and VertexOne. |
| Payment methods | Its payment-solutions page describes single and recurring ACH, credit cards, eChecks, bill pay and phone-based IVR payments. | Supported rails and methods include ACH, eCheck, debit and credit cards, RTP, Apple Pay, Google Pay, PayPal, Venmo and retail cash payments. |
| Security | The company says its tokenization solutions replace bank account data so it need not be stored on client servers and databases. | Paymentus describes itself as a Level 1 PCI-certified service provider and lists Nacha account validation, HIPAA, SOC 1, SOC 2, and ADA protections. |
| What it does | ACH Payments provides ACH and credit-card processing for businesses, including recurring billing and payment aggregation programs. | Paymentus provides cloud billing, electronic bill presentment, payment processing, money movement and customer communications for billers and financial institutions. |
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
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.
Paymentus
Paymentus provides billing, payment, and customer interaction capabilities for service providers and financial institutions. Its listed sectors include insurance, utilities, government, telecom, property management, healthcare, higher education, banking, and consumer finance. Consumers can pay through web portals, one-time web payments, IVR, in-person locations, text, email, chatbots, or BillWallet. Payment methods include cards, ACH/eCheck, cash, PayPal, PayPal Credit, Venmo, Apple Pay, and Google Pay. The platform supports AutoPay, recurring and scheduled payments, one-time payments, and pay now/pay later options. Agent Dashboard provides transaction visibility, reporting, reconciliation, agency analytics, and digital adoption monitoring. Paymentus says it integrates with 450+ systems of record and offers APIs, SDKs, and the Pixels by Paymentus toolkit. Other tools cover vendor invoicing, payables, receivables, expenses, employee expense cards, and digital disbursements including refunds and deposits. Paymentus was founded in 2004 and says it went public in 2021. It lists Android, API, iOS, and web availability. Pricing is on request.