Increase ACH vs OpenACH
Increase ACH
increase.comOpenACH
openach.comSide by side
| Figure | Increase ACH | 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 | 5 | 3 |
| Spec score · ACH Payment Processing Software | 7.4 (#13) | 8.5 (#2) |
| Integrations | Increase documentation describes its API as exposing capabilities and data from the Federal Reserve, Visa, The Clearing House, depository networks, and accounting tools. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Purpose | Increase ACH lets customers originate ACH credits and debits, track and initiate returns, and store frequently accessed details. | OpenACH is an open-source, web-based platform for ACH origination and payment processing. |
| Support | Increase says customers can contact its sales team at [email protected] with questions or to get started. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
Plans
Increase ACH
- ACH processing — Next-day ACH origination$0.50, paid once
- ACH processing — Same-day ACH origination$2, paid once
- ACH returns$5, paid once
- Unauthorized returns$15, paid once
- Late return request processing$25, paid once
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
In their own words
Increase ACH
Increase ACH is a web and API service for technology companies that originate ACH credits and debits, track returns, and store frequently used payment details. Increase says ACH is same-day by default, submitted at every Federal Reserve window, with payments potentially arriving in less than 24 hours. Next-day ACH origination is priced at $0.50, while same-day origination costs $2. ACH returns cost $5, unauthorized returns cost 15.00 USD, and late return request processing costs 25.00 USD. Unique counterparty account numbers support reconciliation. Incoming transfers can be previewed for one hour before allocation, with allow or disallow lists and other rules or limits. Return codes and standard entry class codes are exposed, returns are automatically correlated, and webhooks report transfer lifecycle events. The dashboard shows payment status, pending submissions, estimated arrival, and returns. Increase also lists PCI DSS Level I and SOC 2 audits, disk-level encryption, application-level AES 256 encryption for certain data, and HTTPS for API requests.