ACHPAY.AI vs Checkbook.io ACH API
ACHPAY.AI
achpay.aiCheckbook.io ACH API
checkbook.ioSide by side
| Figure | ACHPAY.AI | Checkbook.io ACH API |
|---|---|---|
| Price from | — | $2,000/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) | 7.7 (#11) |
| Integrations | The home page lists pre-built integrations with QuickBooks, Xero, and HubSpot, plus API documentation and webhooks. | Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations. |
| Intended users | The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces. | Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms. |
| Security | The ACH billing page states that sensitive financial data is protected at rest and in transit with 256-bit encryption. | Checkbook says production data is stored in a physically secure PCI DSS compliant off-site data center and server access uses encrypted network channels. |
Plans
Checkbook.io ACH API
- ACH Payments$1, paid once
- Business$2,000 a month
- EnterprisePriced on request
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.
Checkbook.io ACH API
Checkbook.io ACH API has no write-up on Specifiction yet; its figures are above.