ACHQ review
A broad ACH toolkit with published monthly plans for growing payment programs.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
ACHQ pros and cons
- 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
ACHQ fact sheet, pricing and score →
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