Authorize.net vs OpenACH
Authorize.net
authorize.netOpenACH
openach.comSide by side
| Figure | Authorize.net | OpenACH |
|---|---|---|
| Price from | $25/mo | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Linux | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 8.0 (#7) | 8.5 (#2) |
| Integrations | Authorize.net provides an API with XML and JSON variants, and a certified network of technology and solution partners. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Security | The pricing page describes its gateway as secure and lists customizable fraud detection tools. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | Merchant support is available 24x7, except major holidays, by phone, online chat, or support case. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
| What it does | Authorize.net helps businesses accept electronic and credit card payments in person, online, and over the phone. | OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer. |
Plans
Authorize.net
- All-in-one$25 a month
- Gateway only$25 a month
- Gateway + eCheck$25 a month
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
In their own words
Authorize.net
Authorize.net helps businesses accept electronic and credit card payments online, in person and by phone. It supports major cards, Apple Pay, Google Pay, PayPal and eChecks, with channels for website checkout, mobile payments, in-person card readers, phone orders through Virtual Terminal and digital invoicing. Automated Recurring Billing supports subscriptions, retainers and payment plans. Customer Information Manager stores payment details for returning customers, while Advanced Fraud Detection Suite offers customizable rules to flag suspicious activity. The service lists web, iOS, Android and API platforms, XML and JSON API variants, and a certified network of technology and solution partners. Merchant support is available 24x7 except major holidays. Authorize.net says its processing is designed for small businesses and that it has worked with merchants and small businesses since 1996. There is no free plan. All listed plans cost $25 per month: All-in-one adds 2.9% + 30¢ per transaction; Gateway only adds 10¢ per transaction plus a 10¢ daily batch fee and requires an existing merchant account. Gateway + eCheck lists 0.75% for eCheck and 10¢ per card transaction plus a 10¢ daily batch fee; eCheck is available only to U.S.-based businesses.