GoACH vs Rotessa
GoACH
goach.comRotessa
rotessa.comSide by side
| Figure | GoACH | Rotessa |
|---|---|---|
| Price from | — | $0.35/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 12 |
| Spec score · ACH Payment Processing Software | 7.2 (#16) | 8.4 (#3) |
| API | The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH. | The public REST API uses API-key authentication at api.rotessa.com/v1, with a sandbox endpoint available for testing. |
| Headquarters | Charlotte, North Carolina, United States | Steinbach, Manitoba, Canada |
| Security | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. | Rotessa’s security overview says sensitive database information is encrypted using AES256, backups are made daily, and the company adheres to PCI DSS requirements for security management and protective measures. |
| Support | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. | Rotessa describes its support team as fast and responsive, and provides an online support centre with documentation on accounts, authorizations, integrations, processing, and transactions. |
Plans
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 a month
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.
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.