First ACH API vs Paymentus
First ACH API
firstach.com
Paymentus
paymentus.comSide by side
| Figure | First ACH API | Paymentus |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 2 |
| Spec score · ACH Payment Processing Software | 8.3 (#4) | 7.8 (#9) |
| Company legal name | Website terms identify Blue Parasol Group, LLC as doing business as First ACH. | Crunchbase identifies the legal name as Paymentus Corporation and the stock symbol as NYSE: PAY. |
| Founded | First ACH’s management page says Paul Sabella founded First ACH in May 1998. | 2004 |
| Headquarters | First ACH lists its corporate headquarters at 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282. | Charlotte, North Carolina, United States |
| Reporting | The dashboard provides filtered reports and activity reports for rejected transactions. | Paymentus provides real-time transaction analytics, reconciliation, digital-adoption tracking and customer-behavior reporting through one interface. |
| 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. | Paymentus describes itself as a Level 1 PCI-certified service provider and lists Nacha account validation, HIPAA, SOC 1, SOC 2, and ADA protections. |
| Security controls | First ACH describes managed firewalls, 768-bit data encryption, 128-bit SSL sessions, intrusion detection and controlled-access data-center safeguards. | The trust center lists multifactor authentication, role-based access control, encryption at rest and encryption in transit. |
| Support | The API page says technical support is free, and First ACH describes support through phone and email with trained US-based professionals. | The contact page lists bill pay and client support by phone, sales by phone or email, and separate support options for banking and Profit customers. |
| Support hours | The contact page lists Monday-Friday support and sales hours from 7:30 a.m. to 4:00 p.m. Arizona time. | Bill-pay customer support is listed as Monday-Friday 8AM-midnight Eastern and weekends 8AM-5PM Eastern, subject to holidays. |
| What it does | First ACH provides ACH and electronic-check payment processing through a hosted payment gateway. | Paymentus provides cloud billing, electronic bill presentment, payment processing, money movement and customer communications for billers and financial institutions. |
Plans
First ACH API
- Custom solutionsPriced on request
- First ACH APIPriced on request
- First ACH Merchant +Priced 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.
Paymentus
Paymentus provides billing, payment, and customer interaction capabilities for service providers and financial institutions. Its listed sectors include insurance, utilities, government, telecom, property management, healthcare, higher education, banking, and consumer finance. Consumers can pay through web portals, one-time web payments, IVR, in-person locations, text, email, chatbots, or BillWallet. Payment methods include cards, ACH/eCheck, cash, PayPal, PayPal Credit, Venmo, Apple Pay, and Google Pay. The platform supports AutoPay, recurring and scheduled payments, one-time payments, and pay now/pay later options. Agent Dashboard provides transaction visibility, reporting, reconciliation, agency analytics, and digital adoption monitoring. Paymentus says it integrates with 450+ systems of record and offers APIs, SDKs, and the Pixels by Paymentus toolkit. Other tools cover vendor invoicing, payables, receivables, expenses, employee expense cards, and digital disbursements including refunds and deposits. Paymentus was founded in 2004 and says it went public in 2021. It lists Android, API, iOS, and web availability. Pricing is on request.