GoACH vs Paymentus
GoACH
goach.com
Paymentus
paymentus.comSide by side
| Figure | GoACH | Paymentus |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 2 |
| Spec score · ACH Payment Processing Software | 7.2 (#16) | 7.8 (#9) |
| Headquarters | Charlotte, North Carolina, United States | Charlotte, North Carolina, United States |
| Integrations | GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records. | Paymentus states that it integrates with more than 450 systems, including Oracle, SAP, Itineris, Harris and VertexOne. |
| Security | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. | Paymentus describes itself as a Level 1 PCI-certified service provider and lists Nacha account validation, HIPAA, SOC 1, SOC 2, and ADA protections. |
| Support | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. | 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. |
Plans
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.
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.