ACHQ vs GoCardless Bank Account Data
ACHQ
achq.comGoCardless Bank Account Data
gocardless.comSide by side
| Figure | ACHQ | GoCardless Bank Account Data |
|---|---|---|
| Price from | $39/mo | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 4 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 8.2 (#5) |
| Developer tools | The REST API uses JSON over HTTPS, supports idempotency keys, and provides SDKs for Node, Python, Ruby, and PHP. | GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. |
| Headquarters | Sarasota, Florida, United States | London, United Kingdom |
| Product | ACHQ provides ACH and eCheck processing for merchants and payment platforms. | Bank Account Data API connects to users’ bank accounts through bank PSD2 APIs and returns account information in JSON. |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit. |
| 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 Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT. |
| Who it serves | ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants. | GoCardless says businesses can use its open banking network to access financial data such as account information and transaction history. |
Plans
GoCardless Bank Account Data
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
In their own words
GoCardless Bank Account Data
GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.