ACHQ vs First ACH API
ACHQ
achq.comFirst ACH API
firstach.comSide by side
| Figure | ACHQ | First ACH API |
|---|---|---|
| Price from | $39/mo | — |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 8.3 (#4) |
| Compliance | ACHQ's trust portal lists CCPA and GLBA and offers access to security documentation; it says it is working on security compliance and can provide completed questionnaires upon request. | First ACH says it is a NACHA Affiliate Program member that applies NACHA standards and has implemented PCI Security Standards Council requirements. |
| Headquarters | Sarasota, Florida, United States | First ACH lists its corporate headquarters at 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282. |
| Product | ACHQ provides ACH and eCheck processing for merchants and payment platforms. | First ACH API connects a business’s proprietary interface to the First ACH payment gateway to process payments using its existing sales process. |
| Reporting | The dashboard includes transaction monitoring, daily settlement reports, return-rate trends, exports, and an immutable user action log. | The dashboard provides filtered reports and activity reports for rejected transactions. |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | First ACH says its hosted applications are protected by managed firewalls, account data is encrypted with a 768-bit key, web traffic uses 128-bit SSL, and network traffic is monitored by an intrusion detection system. |
| Support | ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale. | The API page says technical support is free, and First ACH describes support through phone and email with trained US-based professionals. |
Plans
First ACH API
- Custom solutionsPriced on request
- First ACH APIPriced on request
- First ACH Merchant +Priced on request
In their own words
First ACH API
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.