PayJunction ACH Payment Processing vs Increase ACH

PayJunction ACH Payment Processing8.1Visit Increase ACH8.0Visit

Higher score PayJunction ACH Payment Processing #7 in ACH Payment Processing Software 8.1/10 Paid ✓ 5 of 6 features Visit PayJunction

vs

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

• PayJunction ACH Payment Processing fits best

  Businesses wanting ACH links and rejection management

• Increase ACH fits best

  API teams optimizing for transaction-based ACH pricing

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Side by side

Feature	PayJunction ACH Payment Processing 8.1/10 Visit ↗	Increase ACH 8.0/10 Visit ↗
At a glance
Editor score	8.1	8.0
Ranking	#7 in ACH Payment Processing Software	#8 in ACH Payment Processing Software
Best for	Businesses wanting ACH links and rejection management	API teams optimizing for transaction-based ACH pricing
Pricing model	Paid	Paid
Starting price	—	$0.50/unit usage-based
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Browser extension	Cloud
Platforms	Web, Chrome extension	Web
Support	Email, Phone, Tickets, Docs	Email, Docs
Compliance	2FA	SOC 2, PCI DSS
Built for	Small business, Mid-market, Enterprise	Mid-market, Enterprise
Features PayJunction ACH Payment Processing 5/6 · Increase ACH 4/6
Recurring ACH payments	✓ (best)	Not checked yet
ACH credit support	✓	✓
Same-day ACH	Not checked yet	✓ (best)
Payment links	✓ (best)	Not checked yet
API access	✓	✓
Webhook support	✓	✓
Specs
ACH transaction limit	Not checked yet	Not checked yet
Our review
Pros	Recurring ACH schedules with authorization forms and customer signatures Hosted payment links plus browser-based no-code integration REST API, webhooks, and ACH rejection management with re-billing	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 is available Standard and Surcharge rates are advertised as “as low as” Enterprise pricing requires submitted statements	No free plan is published ACH returns are priced at $5 per transaction Monthly fees vary by use case
Our verdict	PayJunction ACH Payment Processing provides ACH and card payment processing for merchant businesses, including dental, veterinary, medical, and automotive companies. Its ACH tools cover electronic check transactions, recurring payment… 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

• PayJunction ACH Payment Processing — where it wins

  • Recurring ACH schedules with authorization forms and customer signatures
  • Hosted payment links plus browser-based no-code integration
  • REST API, webhooks, and ACH rejection management with re-billing

  Where it doesn't

  • No free plan is available
  • Standard and Surcharge rates are advertised as “as low as”
  • Enterprise pricing requires submitted statements

• 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

• PayJunction ACH Payment Processing8.1/10 · Paid

  A flexible ACH processor for recurring payments, hosted links, APIs, and rejection management.

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

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

  Visit Increase ACHFull verdict →