Rotessa vs Stripe ACH Direct Debit
Rotessa
rotessa.com
Stripe ACH Direct Debit
stripe.comSide by side
| Figure | Rotessa | Stripe ACH Direct Debit |
|---|---|---|
| Price from | $0.35/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| API | Yes | Yes |
| Plans published | 12 | 2 |
| Spec score · ACH Payment Processing Software | 8.4 (#3) | 7.1 (#18) |
| Founded | 2010 | 2010 |
| Headquarters | Steinbach, Manitoba, Canada | San Francisco, California, United States and Dublin, Ireland |
| Support | Rotessa describes its support team as fast and responsive, and provides an online support centre with documentation on accounts, authorizations, integrations, processing, and transactions. | Stripe provides product support through its support site and offers separate managed support plans. |
| What it does | Rotessa is online software for scheduling one-time or recurring withdrawals from customers’ bank accounts through Canadian PAD and U.S. ACH payments. | Accepts reusable payments from customers’ US bank accounts through ACH Direct Debit. |
Plans
Rotessa
- 251-1000 transactions$0.35 a month
- 251-1000 Transactions$0.35 a month
- 1-10 transactions$17 a month
- 1-10 Transactions$17 a month
- Base$25 a month
- 11-50 transactions$39 a month
- 11-50 Transactions$39 a month
- 51-100 transactions$65 a month
- 51-100 Transactions$65 a month
- 101-250 transactions$94 a month
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
Rotessa
Rotessa schedules one-time and recurring payments taken directly from customers’ bank accounts. Businesses can add customers individually, import a CSV, or bring records in through accounting software, then obtain authorization and set the amount, frequency, and date. Its listed industries include property management, financial services, schools and childcare, health services, professional services, and nonprofits. Accounts include API access, CSV imports, an authorization tool, payment schedules, settlement reports, and multiple users with permissions. QuickBooks Online and Xero integrations can import customers and outstanding invoices, initiate withdrawals based on due dates, and report settlements while marking invoices paid. Zapier supports customized workflows connecting Rotessa with over 1,000 apps. Pricing starts at $17/mo for 1–10 transactions; listed monthly tiers are $39 for 11–50, $65 for 51–100, and $94 for 101–250. From 251 to 1,000 transactions, the listed rate is 35¢ per transaction; higher-volume pricing is custom. Rotessa launched in 2010 and is based in Steinbach, Manitoba, Canada.
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.