ACH Payments vs Rotessa
ACH Payments
ach-payments.comRotessa
rotessa.comSide by side
| Figure | ACH Payments | Rotessa |
|---|---|---|
| Price from | $0.35/mo | $0.35/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 12 |
| Spec score · ACH Payment Processing Software | 8.6 (#1) | 8.4 (#3) |
| Company headquarters | The terms page gives an office address of 15 Ingersoll Road, Saratoga Springs, New York 12866, United States. | LinkedIn lists Rotessa’s primary location as 115 Industrial Road, Steinbach, Manitoba, Canada. |
| QuickBooks integration | The QuickBooks module combines ACH and card processing, supports one-time, POS, card-not-present and recurring transactions, and includes reporting and deposit conversion. | QuickBooks Online invoices can be imported manually or automatically, but invoice changes do not update scheduled Rotessa transactions unless automatic import is enabled. |
| Security | The company says its tokenization solutions replace bank account data so it need not be stored on client servers and databases. | Rotessa’s security overview says sensitive database information is encrypted using AES256, backups are made daily, and the company adheres to PCI DSS requirements for security management and protective measures. |
| What it does | ACH Payments provides ACH and credit-card processing for businesses, including recurring billing and payment aggregation programs. | Rotessa is online software for scheduling one-time or recurring withdrawals from customers’ bank accounts through Canadian PAD and U.S. ACH payments. |
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
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 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.
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.