Paymentus vs Stripe ACH Direct Debit
Paymentus
paymentus.com
Stripe ACH Direct Debit
stripe.comSide by side
| Figure | Paymentus | Stripe ACH Direct Debit |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 2 | 2 |
| Spec score · ACH Payment Processing Software | 7.8 (#9) | 7.1 (#18) |
| Founded | 2004 | 2010 |
| Headquarters | Charlotte, North Carolina, United States | San Francisco, California, United States and Dublin, Ireland |
| Support | 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. | Stripe provides product support through its support site and offers separate managed support plans. |
| What it does | Paymentus provides cloud billing, electronic bill presentment, payment processing, money movement and customer communications for billers and financial institutions. | Accepts reusable payments from customers’ US bank accounts through ACH Direct Debit. |
Plans
Stripe ACH Direct Debit
- ACH Direct Debit — standard settlement timing$0.80, paid once
- ACH Direct Debit — faster settlement$1.20, paid once
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.
Stripe ACH Direct Debit
Stripe ACH Direct Debit lets businesses collect reusable payments from customers’ US bank accounts through Stripe’s API and web checkout tools. It is described as suitable for large or recurring transactions. Customers must be in the US, transactions use USD, and the minimum is 0.50 USD. Standard settlement is $0.80 transaction, capped at 5.00 USD, with settlement four business days after payment creation. Faster settlement costs $1.20 for eligible US users and settles in two business days. Confirmation can take up to four business days. Bank details can be verified through Financial Connections or hosted microdeposits. Checkout, Payment Links, embedded forms, and Payment Element are supported; Express Checkout Element and in-app payments are not. Payments require a mandate, can fail or be disputed, and ACH disputes are final. Full refunds are supported within 180 days; partial refunds are not.