GoACH vs OpenACH
GoACH
goach.comOpenACH
openach.comSide by side
| Figure | GoACH | OpenACH |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | Yes |
| Web | Yes | Yes |
| Linux | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 3 |
| Spec score · ACH Payment Processing Software | 7.2 (#16) | 8.5 (#2) |
| API | The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH. | OpenACH offers a REST/JSON API for integrating business software with ACH payment processing. |
| Integrations | GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Security | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
Plans
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
In their own words
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.