Best ACH Payment Processing Software in 2026
Updated
In short: ACHQ is ranked #1 of 20 as of 2 October 2026, ahead of Stripe ACH Direct Debit and PayJunction ACH Payment Processing. The lowest first paid tier on this page is PayJunction ACH Payment Processing at $0.75/mo.
20 ACH payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
| # | Platform | Score | Why | From | Free plan | Paid from | Recurring ACH payments | |
|---|---|---|---|---|---|---|---|---|
| 1 | ACHQ | 8.4 | RecognisedAPIDocumented | $39/mo | No | 39 /mo | Yes | View |
| 2 | Stripe ACH Direct Debit | 8.2 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 3 | PayJunction ACH Payment Processing | 7.9 | RecognisedAPIDocumented | $0.75/mo | No | — | Yes | View |
| 4 | GoACH | 7.8 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 5 |  Profituity | 7.3 | RecognisedAPIDocumented | $10/mo | No | 10 /mo | Yes | View |
| 6 | Plaid | 7.1 | RecognisedAPIDocumented | — | No | — | — | View |
| 7 |  Checkbook.io ACH API | 6.9 | RecognisedAPIDocumented | $2,000/mo | No | 2,000 /mo | Yes | View |
| 8 | Paymentus | 6.4 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 9 | Dwolla | 6.2 | RecognisedAPIDocumented | — | No | — | — | View |
| 10 | Authorize.net | 6.1 | RecognisedAPIDocumented | — | No | 25 /mo | Yes | View |
| 11 | Increase ACH | 5.9 | RecognisedAPIDocumented | — | No | — | — | View |
| 12 |  ACHPAY.AI | 5.9 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 13 |  ACH Processing Company | 5.9 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 14 |  OpenACH | 5.7 | RecognisedAPIDocumented | — | Yes | — | Yes | View |
| 15 |  Rotessa | 5.6 | RecognisedAPIDocumented | — | No | 17 /mo | Yes | View |
| 16 |  First ACH API | 5.5 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 17 |  ACH Payments | 5.2 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 18 |  Stryd | 5.0 | RecognisedAPIDocumented | — | No | — | Yes | View |
| 19 |  Helix ACH | 4.8 | RecognisedAPIDocumented | — | — | — | Yes | View |
| 20 |  GoCardless Bank Account Data | 4.6 | RecognisedAPIDocumented | — | — | — | — | View |
Is your platform on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which ACH payment processing software is ranked first on Inferse?
ACHQ is ranked #1 of 20 with a score of 8.4. Stripe ACH Direct Debit is second and PayJunction ACH Payment Processing third.
How many of these have a free plan?
0 of the 20 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, PayJunction ACH Payment Processing has the lowest first paid tier we found: $0.75/mo.
How is this list ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it. Paid placements never change a rank.