Checkbook.io ACH API vs First ACH API
Checkbook.io ACH API
checkbook.ioFirst ACH API
firstach.comSide by side
| Figure | Checkbook.io ACH API | First ACH API |
|---|---|---|
| Price from | $2,000/mo | — |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 7.7 (#11) | 8.3 (#4) |
| Headquarters | San Mateo, California, United States | First ACH lists its corporate headquarters at 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282. |
| Intended users | Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms. | First ACH describes the API as suited to businesses integrating payments with existing systems, merchants enabling customer-initiated payments in their software or website, and companies needing custom features. |
| Security | Checkbook says production data is stored in a physically secure PCI DSS compliant off-site data center and server access uses encrypted network channels. | First ACH says its hosted applications are protected by managed firewalls, account data is encrypted with a 768-bit key, web traffic uses 128-bit SSL, and network traffic is monitored by an intrusion detection system. |
| Support | The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans. | The API page says technical support is free, and First ACH describes support through phone and email with trained US-based professionals. |
Plans
Checkbook.io ACH API
- ACH Payments$1, paid once
- Business$2,000 a month
- EnterprisePriced on request
First ACH API
- Custom solutionsPriced on request
- First ACH APIPriced on request
- First ACH Merchant +Priced on request
In their own words
Checkbook.io ACH API
Checkbook.io ACH API has no write-up on Specifiction yet; its figures are above.
First ACH API
First ACH API connects a business’s own interface to the First ACH payment gateway, allowing transactions to move through an existing sales process. Businesses can manage transactions from their account database, submit them as they occur, and receive updates for monitoring inside their own system. The API supports recurring ACH payments and ACH credits. Listed applications include embedding ACH payments in another product, depositing across multiple accounts, and consolidated processing for distributed networks. First ACH describes it for businesses integrating payments with existing systems, merchants adding customer-initiated payments to software or websites, and companies needing custom features. Integration requires a live Internet connection to begin. A 30-day ACH processing trial has no cancellation penalty or termination fee, although processed-payment fees still apply. Technical support is free by phone and email from trained US-based professionals. First ACH cites managed firewalls, encrypted account data, 128-bit SSL web traffic, intrusion detection, NACHA standards, and PCI requirements. Pricing is on request.