InstaPayments vs Profituity
InstaPayments
instapayments.ioProfituity
profituity.comSide by side
| Figure | InstaPayments | Profituity |
|---|---|---|
| Price from | $25/mo | $10/mo |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 4 | 3 |
| Spec score · Payment Processing Software | 8.9 (#9) | 7.3 (#45) |
| Headquarters | Austin, Texas, United States | Wexford, Pennsylvania, United States |
| Support | The official site offers live chat, email and phone contact, while the Premium plan includes priority support. | Profituity says its team typically responds to inquiries within one business day. |
| What it does | InstaPayments provides no-code Stripe payment pages and a customer billing portal. | Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform. |
Plans
InstaPayments
- Essential$29 a month
- Growth$75 a month
- Premium$499 a month
- Braintree$25 a month
Profituity
- RTO Pro ACH integration$10 a month
- RTO Pro transaction feePriced on request
- RTO Pro ACH processing$10 a month
In their own words
InstaPayments
InstaPayments has no write-up on Specifiction yet; its figures are above.
Profituity
Profituity provides ACH payment processing, compliance, and audit-readiness services for merchants, ISVs, merchant service providers, financial institutions, and third-party processors. Profituity Cloud shows real-time ACH program status and updates with Nacha rule changes. The company says documentation is generated continuously during normal operations for exam readiness, and describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. Its API exposes nearly all website features for customer applications, with sandbox credentials for testing; HTTPS is required to protect credentials and tokens. Supported capabilities include recurring ACH payments, ACH credits, same-day ACH, and webhooks. Built-in RTO Pro integration requires approval and a site key. The RTO Pro ACH integration plan costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.