First ACH API vs OpenACH
First ACH API
firstach.comOpenACH
openach.comSide by side
| Figure | First ACH API | OpenACH |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 8.3 (#4) | 8.5 (#2) |
| Company headquarters | The current contact page lists 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282. | EasyOFAC, described on its site as an OpenACH company, lists 401 E 8th St, Suite 214-694, Sioux Falls, South Dakota 57103. |
| Security | 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. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | The API page says technical support is free, and First ACH describes support through phone and email with trained US-based professionals. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
| System requirements | No specialized hardware or software is required; a working computer and internet connection are sufficient. | The repository documents Linux, Apache and PHP deployment with PostgreSQL or SQLite, and lists PHP 7.2-7.4 as the minimum tested range. |
| What it does | First ACH provides ACH and electronic-check payment processing through a hosted payment gateway. | OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer. |
Plans
First ACH API
- Custom solutionsPriced on request
- First ACH APIPriced on request
- First ACH Merchant +Priced on request
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
In their own words
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.