GoACH vs PayJunction ACH Payment Processing

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.

PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments. Merchants can use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up. Customers can authorize an ACH payment and sign a digital receipt on a desktop or smartphone; signed authorization forms are stored for at least two years. PayJunction says merchants can receive next-day ACH funds and process ACH as often as needed without a monthly fee. The service includes API access, webhooks, browser-based integration and a Zapier connection to over 7,000 apps. Its API supports ACH electronic-check transactions and requires TLS 1.2. PayJunction describes encryption and PCI compliance. Access is listed through API, extension, iOS and web. Standard and Surcharge each cost $0.75 a month billed month-to-month, with transaction rates listed separately. There is no free plan.