ACHPAY.AI vs Helix ACH
ACHPAY.AI
achpay.aiHelix ACH
helixach.comSide by side
| Figure | ACHPAY.AI | Helix ACH |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | — |
| Plans published | 1 | 1 |
| Spec score · ACH Payment Processing Software | 8.1 (#6) | 6.8 (#21) |
| Bank linking | Customers can link bank accounts through Plaid or use micro-deposits. | Customer bank accounts are connected through Plaid, which lets customers verify ownership without sharing bank credentials with Helix ACH. |
| Intended users | The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces. | Helix ACH says it is designed for finance and operations teams, including businesses in B2B services, SaaS, wholesale, healthcare billing, property management, lending, and subscriptions. |
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.