Checkbook.io ACH API vs Stripe ACH Direct Debit
Checkbook.io ACH API
checkbook.io
Stripe ACH Direct Debit
stripe.comSide by side
| Figure | Checkbook.io ACH API | Stripe ACH Direct Debit |
|---|---|---|
| Price from | $2,000/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 2 |
| Spec score · ACH Payment Processing Software | 7.7 (#11) | 7.1 (#18) |
| Headquarters | San Mateo, California, United States | San Francisco, California, United States and Dublin, Ireland |
| Support | The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans. | Stripe provides product support through its support site and offers separate managed support plans. |
Plans
Checkbook.io ACH API
- ACH Payments$1, paid once
- Business$2,000 a month
- EnterprisePriced on request
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
Checkbook.io ACH API
Checkbook.io ACH API has no write-up on Specifiction yet; its figures are above.
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.