OpenACH vs Paymentus
OpenACH
openach.com
Paymentus
paymentus.comSide by side
| Figure | OpenACH | Paymentus |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| Linux | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | — |
| Plans published | 3 | 2 |
| Spec score · ACH Payment Processing Software | 8.5 (#2) | 7.8 (#9) |
| Deployment | OpenACH can be downloaded as a Docker image or as source for installation on an existing web application server. | Deployment choices include fully hosted services plus integrations using APIs, widgets, SDKs and single sign-on. |
| Integrations | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. | Paymentus states that it integrates with more than 450 systems, including Oracle, SAP, Itineris, Harris and VertexOne. |
| Purpose | OpenACH is an open-source, web-based platform for ACH origination and payment processing. | Paymentus provides billing, payment, and customer interaction capabilities for service providers and financial institutions. |
| Security | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. | 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 | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. | 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. |
| What it does | OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer. | Paymentus provides cloud billing, electronic bill presentment, payment processing, money movement and customer communications for billers and financial institutions. |
Plans
OpenACH
- OpenACH open-source softwareFree
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
In their own words
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.