Checkbook.io ACH API vs GoACH
Checkbook.io ACH API
checkbook.io
GoACH
goach.comSide by side
| Figure | Checkbook.io ACH API | GoACH |
|---|---|---|
| Price from | $2,000/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 1 |
| Spec score · ACH Payment Processing Software | 7.7 (#11) | 7.2 (#16) |
| Headquarters | San Mateo, California, United States | Charlotte, North Carolina, United States |
| Integrations | Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations. | GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records. |
| 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. | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. |
| Support | The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans. | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. |
Plans
Checkbook.io ACH API
- ACH Payments$1, paid once
- Business$2,000 a month
- EnterprisePriced 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.
GoACH
GoACH is a NACHA-compliant ACH processor for high-risk businesses such as merchant cash advance, credit repair, debt settlement, and collections. It is available through a web terminal and REST API, supporting ACH credits, recurring schedules, same-day ACH, and smart routing. Dashboards track returns and anomaly alerts through an AI risk engine trained on merchant cash advance transaction patterns. Compliance support includes CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned with NACHA rules. The browser terminal requires no installation or API integration and provides reports with CSV export. The API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting, with GoACH credentials required. Standard ACH funds typically settle within 1–2 business days; same-day processing is available before the cutoff window. Pricing is by quote and depends on industry, volume, and risk profile. The listed plan notes transaction, percentage, monthly, return, same-day, and reserve-related charges may apply.