Authorize.net vs Increase ACH

Authorize.net8.3Visit Increase ACH8.0Visit

Higher score Authorize.net #6 in ACH Payment Processing Software 8.3/10 Paid ✓ 1 of 6 features Visit Authorize.net

vs

Increase ACH #8 in ACH Payment Processing Software 8.0/10 Paid ✓ 4 of 6 features Visit Increase ACH

• Authorize.net fits best

  Businesses needing ACH alongside card acceptance

• Increase ACH fits best

  API teams optimizing for transaction-based ACH pricing

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Side by side

Feature	Authorize.net 8.3/10 Visit ↗	Increase ACH 8.0/10 Visit ↗
At a glance
Editor score	8.3	8.0
Ranking	#6 in ACH Payment Processing Software	#8 in ACH Payment Processing Software
Best for	Businesses needing ACH alongside card acceptance	API teams optimizing for transaction-based ACH pricing
Pricing model	Paid	Paid
Starting price	$25/mo	$0.50/unit usage-based
Free plan	—	—
Free trial	—	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Features Authorize.net 1/6 · Increase ACH 4/6
Recurring ACH payments	✓ (best)	Not checked yet
ACH credit support	Not checked yet	✓ (best)
Same-day ACH	Not checked yet	✓ (best)
Payment links	Not checked yet	Not checked yet
API access	Not checked yet	✓ (best)
Webhook support	Not checked yet	✓ (best)
Specs
ACH transaction limit	Not checked yet	Not checked yet
Our review
Pros	Supports eCheck/ACH, cards, digital wallets, and recurring billing Covers online, in-person, mobile, phone, and mail-order payments Includes fraud tools, stored payment data, reporting, APIs, and plugins	Supports ACH credits, debits, same-day processing, and settlement tracking Connects return codes, trace identifiers, and automatic return correlation Combines lifecycle webhooks with dashboard operator workflows
Cons	No free plan; paid plans start at $25 per month Merchant accounts are required for the stated payment setup Each account is set to one currency	No free plan is published ACH returns are priced at $5 per transaction Monthly fees vary by use case
Our verdict	Authorize.net is a payment gateway for businesses accepting payments online, in person, by phone, or through mobile devices. Its payment coverage includes cards, eChecks, digital wallets, invoicing, hosted payment forms, and automated… Read the review →	Increase ACH is an API-first ACH payment product from Increase Technologies, Inc. It is designed for technology companies, fintech platforms, and API teams that need to originate ACH credits and debits in US payment flows. The product… Read the review →

Strengths and trade-offs

• Authorize.net — where it wins

  • Supports eCheck/ACH, cards, digital wallets, and recurring billing
  • Covers online, in-person, mobile, phone, and mail-order payments
  • Includes fraud tools, stored payment data, reporting, APIs, and plugins

  Where it doesn't

  • No free plan; paid plans start at $25 per month
  • Merchant accounts are required for the stated payment setup
  • Each account is set to one currency

• Increase ACH — where it wins

  • Supports ACH credits, debits, same-day processing, and settlement tracking
  • Connects return codes, trace identifiers, and automatic return correlation
  • Combines lifecycle webhooks with dashboard operator workflows

  Where it doesn't

  • No free plan is published
  • ACH returns are priced at $5 per transaction
  • Monthly fees vary by use case

• Authorize.net8.3/10 · Paid

  A paid gateway that combines ACH, card acceptance, recurring billing, and payment management.

  Visit Authorize.netFull verdict →
• Increase ACH8.0/10 · Paid

  A focused ACH product for API teams that price around each transaction.

  Visit Increase ACHFull verdict →