ACHPAY.AI vs Stripe ACH Direct Debit

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.

Stripe ACH Direct Debit lets businesses collect reusable payments from customers’ US bank accounts through Stripe’s API and web checkout tools. It is described as suitable for large or recurring transactions. Customers must be in the US, transactions use USD, and the minimum is 0.50 USD. Standard settlement is $0.80 transaction, capped at 5.00 USD, with settlement four business days after payment creation. Faster settlement costs $1.20 for eligible US users and settles in two business days. Confirmation can take up to four business days. Bank details can be verified through Financial Connections or hosted microdeposits. Checkout, Payment Links, embedded forms, and Payment Element are supported; Express Checkout Element and in-app payments are not. Payments require a mandate, can fail or be disputed, and ACH disputes are final. Full refunds are supported within 180 days; partial refunds are not.