ACHPAY.AI vs First ACH API

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.

First ACH API connects a business’s own interface to the First ACH payment gateway, allowing transactions to move through an existing sales process. Businesses can manage transactions from their account database, submit them as they occur, and receive updates for monitoring inside their own system. The API supports recurring ACH payments and ACH credits. Listed applications include embedding ACH payments in another product, depositing across multiple accounts, and consolidated processing for distributed networks. First ACH describes it for businesses integrating payments with existing systems, merchants adding customer-initiated payments to software or websites, and companies needing custom features. Integration requires a live Internet connection to begin. A 30-day ACH processing trial has no cancellation penalty or termination fee, although processed-payment fees still apply. Technical support is free by phone and email from trained US-based professionals. First ACH cites managed firewalls, encrypted account data, 128-bit SSL web traffic, intrusion detection, NACHA standards, and PCI requirements. Pricing is on request.