ACHQ
ACHQ: A broad ACH toolkit with published monthly plans for growing payment programs. Ranked #2 of 21 in ACH Payment Processing Software by our editors (9.2/10); pricing: Paid; best for growing ACH programs needing broad payment tooling.
At a glance
- Editor score9.2 / 10
- PricingPaid
- Best forGrowing ACH programs needing broad payment tooling
- Free planNo
- Paid from$39/mo
- Recurring ACH paymentsYes
- Facts checked20 Sep 2026
Where it wins
- Supports ACH debit, credit, recurring billing, and same-day ACH
- Includes REST API, SDKs, signed webhooks, and hosted checkout
- Connects with Plaid Link, NetSuite, QuickBooks, and developer tools
Where it doesn't
- No free plan is available
- Final rates are quoted during underwriting
- Same-day ACH requires merchant-account approval and setup
Our verdict on ACHQ
ACHQ is payment processing software for merchants, platforms, ISVs, and high-volume payment businesses. It supports ACH debit and credit payments, recurring billing, custom payment cadences, payouts, refunds, eCheck conversion, hosted checkout, tokenized bank-account capture, and bank-account verification. The product is available through web and API access, with a dashboard, sandbox, REST API, SDK support, transaction monitoring, reporting, reconciliation, and signed real-time webhooks.
Pricing is organized across three monthly plans. Starter costs $39 per month and includes online and mobile payments, recurring billing, standard 2-day settlement, and email support. Growth costs $59 per month and adds bank account verification, webhooks, full API access, priority 1-day settlement, dashboard reporting, and phone and email support. Scale costs $99 per month and adds volume-based pricing, a dedicated success manager, custom integrations and SLAs, same-day ACH availability, and 24/7 priority support. ACHQ states that listed rates are starting points and that final rates are quoted during underwriting.
ACHQ’s main strength is breadth: it combines payment collection, scheduled billing, verification, reconciliation, developer tooling, and operational reporting in one offering. Integrations include Plaid Link, Slack, NetSuite, QuickBooks, Node.js, Python, Ruby, and PHP. That makes it a fit for growing ACH programs that need both hosted payment flows and deeper platform integration. Buyers seeking a free plan, or organizations that do not want underwriting and setup requirements for same-day ACH, should consider a simpler alternative.
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ACHQ pricing
ACHQ fact sheet
| Free plan | No |
|---|---|
| Paid from | $39/mo |
| Recurring ACH payments | Yes |
| ACH credit support | Yes |
| Same-day ACH | Yes |
| Payment links | Yes |
| API access | Yes |
| Webhook support | Yes |
| ACH transaction limit | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Support | Email, Phone, Docs · 24/7 |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 8 integrations: Plaid Link, Slack, NetSuite, QuickBooks, Node.js, Python … |
| Pricing | Paid (source) |
| Website | achq.com |
| Facts checked | 20 Sep 2026 |
ACHQ integrations
ACHQ lists 8 integrations on its own site.
- Plaid Link
- Slack
- NetSuite
- QuickBooks
- Node.js
- Python
- Ruby
- PHP
Alternatives to ACHQ
- NickelA flexible ACH and invoicing platform with a free tier and paid automation.9.4
- DwollaA mature API platform for businesses that need ACH, RTP, and FedNow payments.9.0
- Stripe ACH Direct DebitA Stripe-native way to add one-time and recurring ACH to web and API payment flows.8.8
ACHQ vs the competition
- ACHQ vs Nickel
- ACHQ vs Dwolla
- ACHQ vs Stripe ACH Direct Debit
- ACHQ vs Paymentus
- ACHQ vs Authorize.net
- ACHQ vs PayJunction ACH Payment Processing
Compare ACHQ with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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