First ACH API vs Increase ACH

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.

Increase ACH is a web and API service for technology companies that originate ACH credits and debits, track returns, and store frequently used payment details. Increase says ACH is same-day by default, submitted at every Federal Reserve window, with payments potentially arriving in less than 24 hours. Next-day ACH origination is priced at $0.50, while same-day origination costs $2. ACH returns cost $5, unauthorized returns cost 15.00 USD, and late return request processing costs 25.00 USD. Unique counterparty account numbers support reconciliation. Incoming transfers can be previewed for one hour before allocation, with allow or disallow lists and other rules or limits. Return codes and standard entry class codes are exposed, returns are automatically correlated, and webhooks report transfer lifecycle events. The dashboard shows payment status, pending submissions, estimated arrival, and returns. Increase also lists PCI DSS Level I and SOC 2 audits, disk-level encryption, application-level AES 256 encryption for certain data, and HTTPS for API requests.