ACHQ vs Authorize.net
ACHQ
achq.com
Authorize.net
authorize.netSide by side
| Figure | ACHQ | Authorize.net |
|---|---|---|
| Price from | $39/mo | $25/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 8.0 (#7) |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | The pricing page describes its gateway as secure and lists customizable fraud detection tools. |
| Support | ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale. | Merchant support is available 24x7, except major holidays, by phone, online chat, or support case. |
Plans
Authorize.net
- All-in-one$25 a month
- Gateway only$25 a month
- Gateway + eCheck$25 a month
In their own words
Authorize.net
Authorize.net helps businesses accept electronic and credit card payments online, in person and by phone. It supports major cards, Apple Pay, Google Pay, PayPal and eChecks, with channels for website checkout, mobile payments, in-person card readers, phone orders through Virtual Terminal and digital invoicing. Automated Recurring Billing supports subscriptions, retainers and payment plans. Customer Information Manager stores payment details for returning customers, while Advanced Fraud Detection Suite offers customizable rules to flag suspicious activity. The service lists web, iOS, Android and API platforms, XML and JSON API variants, and a certified network of technology and solution partners. Merchant support is available 24x7 except major holidays. Authorize.net says its processing is designed for small businesses and that it has worked with merchants and small businesses since 1996. There is no free plan. All listed plans cost $25 per month: All-in-one adds 2.9% + 30¢ per transaction; Gateway only adds 10¢ per transaction plus a 10¢ daily batch fee and requires an existing merchant account. Gateway + eCheck lists 0.75% for eCheck and 10¢ per card transaction plus a 10¢ daily batch fee; eCheck is available only to U.S.-based businesses.