ACH Processing Company vs PayJunction ACH Payment Processing

ACH Processing Company provides ACH and credit card processing through a web portal and services API. The ACH Web Portal handles one-time and recurring payments, reporting and administrative tasks. Users can schedule recurring billing or make individual transactions with Quick Debit; Pay Now Links accept ACH and card payments on a website. Report Builder includes more than 28 values for assembling reports, while Report Viewer offers templates for settled transactions, file uploads and unsuccessful transactions. Administrators can manage user rights, require a second user to approve transactions and set email alerts for selected events. The API supports batch transaction creation, transaction searches and retrieval of returned transactions with their return codes. Developers can validate information in sandbox environments designed to mirror production. Listed accounting integrations include Sage 100 Standard, Xero and QuickBooks. The company says it serves corporate clients and municipalities, among other organizations, and offers prospective customers a demo. It was incorporated in 1998 and launched its proprietary platform in 2012. Pricing is on request; platforms listed are web and API.

PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments. Merchants can use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up. Customers can authorize an ACH payment and sign a digital receipt on a desktop or smartphone; signed authorization forms are stored for at least two years. PayJunction says merchants can receive next-day ACH funds and process ACH as often as needed without a monthly fee. The service includes API access, webhooks, browser-based integration and a Zapier connection to over 7,000 apps. Its API supports ACH electronic-check transactions and requires TLS 1.2. PayJunction describes encryption and PCI compliance. Access is listed through API, extension, iOS and web. Standard and Surcharge each cost $0.75 a month billed month-to-month, with transaction rates listed separately. There is no free plan.