ACHQ vs Stripe ACH Direct Debit
ACHQ
achq.com
Stripe ACH Direct Debit
stripe.comSide by side
| Figure | ACHQ | Stripe ACH Direct Debit |
|---|---|---|
| Price from | $39/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 2 |
| Spec score · ACH Payment Processing Software | 7.8 (#8) | 7.1 (#18) |
| Headquarters | Sarasota, Florida, United States | San Francisco, California, United States and Dublin, Ireland |
| Support | ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale. | Stripe provides product support through its support site and offers separate managed support plans. |
Plans
Stripe ACH Direct Debit
- ACH Direct Debit — standard settlement timing$0.80, paid once
- ACH Direct Debit — faster settlement$1.20, paid once
In their own words
Stripe ACH Direct Debit
Stripe ACH Direct Debit lets businesses collect reusable payments from customers’ US bank accounts through Stripe’s API and web checkout tools. It is described as suitable for large or recurring transactions. Customers must be in the US, transactions use USD, and the minimum is 0.50 USD. Standard settlement is $0.80 transaction, capped at 5.00 USD, with settlement four business days after payment creation. Faster settlement costs $1.20 for eligible US users and settles in two business days. Confirmation can take up to four business days. Bank details can be verified through Financial Connections or hosted microdeposits. Checkout, Payment Links, embedded forms, and Payment Element are supported; Express Checkout Element and in-app payments are not. Payments require a mandate, can fail or be disputed, and ACH disputes are final. Full refunds are supported within 180 days; partial refunds are not.