ACH Payments

At a glance

• Editor score
  7.2 / 10
• Pricing
  Paid
• Best for
  Teams needing ACH scheduling and NSF retry automation
• Recurring ACH payments
  Yes
• Facts checked
  20 Sep 2026

• Where it wins

  • Supports one-time, future-dated, and recurring payment schedules
  • Combines virtual-terminal ACH and credit-card processing
  • Automates retry attempts for some NSF returns

• Where it doesn't

  • Pricing is transaction-based rather than organized by conventional plan tiers
  • API integration is aimed primarily at software-provider use cases
  • Payment functionality is focused on ACH and card collection workflows

Our verdict on ACH Payments

ACH Payments provides ACH and credit-card payment processing for businesses and software providers. Its web-based virtual terminal supports payment collection, while hosted website payment pages add custom fields for online transactions. The service covers one-time, future-dated, and recurring payments, making it a fit for organizations that collect scheduled electronic-check payments rather than only one-off charges. API integration options extend the product to software providers that need to connect payment workflows to their own applications.

The strongest functional area is its payment operations coverage. A recurring payment engine can use backup payment methods, and the platform combines payment reporting with funding-deposit reconciliation. ACH account and identity verification tools support payment setup and review. Automated retry attempts for some returned ACH transactions address NSF handling directly, which matters for teams managing recurring collections. These capabilities make ACH Payments more than a basic virtual terminal, particularly for recurring billing workflows that need follow-up after failed returns.

Pricing is transaction-based, with ACH processing described through a flat ACH transaction fee in the vendor’s fee calculator assumptions rather than a conventional tiered plan structure. The published offering is centered on the “ACH processing” plan, while customers are directed to contact the company for more information and to start processing. Choose ACH Payments if your priority is scheduled ACH collection, recurring payment management, reconciliation, verification, and NSF retry automation across web and API channels. It is less suited to teams seeking a broad payment platform with a conventional multi-tier pricing structure or a wider range of payment workflow features beyond ACH and card processing.

Your product? Our editors can test ACH Payments in depth and publish a review, labelled as paid · from $149/mo →

ACH Payments pricing

All 1 ACH Payments plans and prices →

ACH Payments fact sheet

Alternatives to ACH Payments

• NickelA flexible ACH and invoicing platform with a free tier and paid automation.9.4
• ACHQA broad ACH toolkit with published monthly plans for growing payment programs.9.2
• DwollaA mature API platform for businesses that need ACH, RTP, and FedNow payments.9.0

See all ACH Payments alternatives →

Featured on iTechGuides

ACH Payments is listed in our ACH Payment Processing Software directory. Add the badge to your site — it links back to this page.

<a href="https://www.itechguides.com/products/ach-payments/"><img src="https://www.itechguides.com/best/badge/ach-payments.svg" alt="Featured on iTechGuides" width="230" height="46"></a>

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update