ACHQ vs GoACH
ACHQ
achq.com
GoACH
goach.comSide by side
| Figure | ACHQ | GoACH |
|---|---|---|
| Price from | $39/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 1 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 7.2 (#16) |
| 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. | GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules. |
| Headquarters | Sarasota, Florida, United States | Charlotte, North Carolina, United States |
| Product | ACHQ provides ACH and eCheck processing for merchants and payment platforms. | GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections. |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. |
| Settlement | ACHQ states standard ACH settlement is 1–2 days and says same-day ACH is available for time-sensitive payments. | The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window. |
| Support | ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale. | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. |
Plans
In their own words
GoACH
GoACH is a NACHA-compliant ACH processor for high-risk businesses such as merchant cash advance, credit repair, debt settlement, and collections. It is available through a web terminal and REST API, supporting ACH credits, recurring schedules, same-day ACH, and smart routing. Dashboards track returns and anomaly alerts through an AI risk engine trained on merchant cash advance transaction patterns. Compliance support includes CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned with NACHA rules. The browser terminal requires no installation or API integration and provides reports with CSV export. The API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting, with GoACH credentials required. Standard ACH funds typically settle within 1–2 business days; same-day processing is available before the cutoff window. Pricing is by quote and depends on industry, volume, and risk profile. The listed plan notes transaction, percentage, monthly, return, same-day, and reserve-related charges may apply.