ACHPAY.AI vs ACHQ
ACHPAY.AI
achpay.ai
ACHQ
achq.comSide by side
| Figure | ACHPAY.AI | ACHQ |
|---|---|---|
| Price from | — | $39/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · ACH Payment Processing Software | 8.1 (#6) | 7.8 (#8) |
| Compliance | The ACH billing page claims NACHA compliance and PCI DSS Level 1 certification, and mentions automated SOC 2 Type II compliance reporting. | ACHQ's trust portal lists CCPA and GLBA and offers access to security documentation; it says it is working on security compliance and can provide completed questionnaires upon request. |
| Product | ACHPAY.AI describes itself as an all-in-one platform for payments, accounting, CRM, and marketing. | ACHQ provides ACH and eCheck processing for merchants and payment platforms. |
| Security | The ACH billing page states that sensitive financial data is protected at rest and in transit with 256-bit encryption. | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. |
| Who it serves | The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces. | ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants. |
Plans
In their own words
ACHPAY.AI
ACHPAY.AI combines payments, accounting, CRM and marketing in a web and API platform. Its offerings include ACH billing, credit card processing, accounting software and recurring billing software. ACH billing supports recurring charges, configurable subscription intervals, prorations, upgrades and downgrades. Bank accounts can be linked through Plaid or micro-deposits, and the service offers payment links and next-day funding options. ACH fees are listed as starting at 0.35% and capped at $5.00 per transaction; the ACH processing plan is $0.35 per contact, up to $5.00 per transaction. Payments can be matched to invoices automatically and synced with accounting software. The billing API supports subscription schedules, one-off and recurring invoices, tax calculation and webhook events. Pre-built integrations listed are QuickBooks, Xero and HubSpot. Risk controls include underwriting, KYC/AML compliance and fraud monitoring. The maker states it uses 256-bit encryption, tokenized bank information, continuous security monitoring and penetration testing, and claims NACHA compliance, PCI DSS Level 1 and automated SOC 2 Type II compliance reporting. A free trial is offered, with duration unstated; pricing is on request.