ACHQ vs Paymentus
ACHQ
achq.com
Paymentus
paymentus.comSide by side
| Figure | ACHQ | Paymentus |
|---|---|---|
| Price from | $39/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 2 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 7.8 (#9) |
| Headquarters | Sarasota, Florida, United States | Charlotte, North Carolina, United States |
| Reporting | The dashboard includes transaction monitoring, daily settlement reports, return-rate trends, exports, and an immutable user action log. | Paymentus provides real-time transaction analytics, reconciliation, digital-adoption tracking and customer-behavior reporting through one interface. |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | Paymentus describes itself as a Level 1 PCI-certified service provider and lists Nacha account validation, HIPAA, SOC 1, SOC 2, and ADA protections. |
| 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 contact page lists bill pay and client support by phone, sales by phone or email, and separate support options for banking and Profit customers. |
Plans
In their own words
Paymentus
Paymentus provides billing, payment, and customer interaction capabilities for service providers and financial institutions. Its listed sectors include insurance, utilities, government, telecom, property management, healthcare, higher education, banking, and consumer finance. Consumers can pay through web portals, one-time web payments, IVR, in-person locations, text, email, chatbots, or BillWallet. Payment methods include cards, ACH/eCheck, cash, PayPal, PayPal Credit, Venmo, Apple Pay, and Google Pay. The platform supports AutoPay, recurring and scheduled payments, one-time payments, and pay now/pay later options. Agent Dashboard provides transaction visibility, reporting, reconciliation, agency analytics, and digital adoption monitoring. Paymentus says it integrates with 450+ systems of record and offers APIs, SDKs, and the Pixels by Paymentus toolkit. Other tools cover vendor invoicing, payables, receivables, expenses, employee expense cards, and digital disbursements including refunds and deposits. Paymentus was founded in 2004 and says it went public in 2021. It lists Android, API, iOS, and web availability. Pricing is on request.