ACHPAY.AI vs OpenACH
ACHPAY.AI
achpay.aiOpenACH
openach.comSide by side
| Figure | ACHPAY.AI | OpenACH |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 3 |
| Spec score · ACH Payment Processing Software | 8.1 (#6) | 8.5 (#2) |
| API | The billing API supports subscription schedules, one-off and recurring invoices, tax calculation, and webhook events. | OpenACH offers a REST/JSON API for integrating business software with ACH payment processing. |
| Integrations | The home page lists pre-built integrations with QuickBooks, Xero, and HubSpot, plus API documentation and webhooks. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Security | The ACH billing page states that sensitive financial data is protected at rest and in transit with 256-bit encryption. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
Plans
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced 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.