OpenACH vs PayJunction ACH Payment Processing
OpenACH
openach.com
PayJunction ACH Payment Processing
www2.payjunction.comSide by side
| Figure | OpenACH | PayJunction ACH Payment Processing |
|---|---|---|
| Price from | Free | $0.75/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| Linux | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 3 | 3 |
| Spec score · ACH Payment Processing Software | 8.5 (#2) | 7.7 (#12) |
| Mobile access | The interface is described as mobile-enabled for managing ACH processing from different locations. | The PayJunction mobile app is available on iPhone and iPad, is free, and requires an existing PayJunction customer account. |
Plans
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
PayJunction ACH Payment Processing
- Standard$0.75 a month
- Surcharge$0.75 a month
- EnterprisePriced on request
In their own words
PayJunction ACH Payment Processing
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use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up.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.