Best ACH Payments Alternatives in 2026
Updated
20 platforms from ACH payment processing software ranked against ACH Payments on the same published basis.
- 1ACH Payments vs OpenACH
- 2ACH Payments vs ACH Processing Company
- 3ACH Payments vs ACHPAY.AI
- 4ACH Payments vs GoACH
- 6ACH Payments vs ACHQ
- 7ACH Payments vs Checkbook.io ACH API
- 8ACH Payments vs Increase ACH
- 9ACH Payments vs PayJunction ACH Payment Processing
- 10ACH Payments vs Profituity
- 11ACH Payments vs Rotessa
- 12ACH Payments vs Stripe ACH Direct Debit
- 13ACH Payments vs Plaid
- 14ACH Payments vs Nickel
- 15ACH Payments vs Helix ACH
- 16ACH Payments vs Paymentus
- 17ACH Payments vs Authorize.net
- 18ACH Payments vs First ACH API
- 19ACH Payments vs Stryd
- 20ACH Payments vs GoCardless Bank Account Data
- 21ACH Payments vs Dwolla
ACH Payments alternatives compared
| # | Platform | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | OpenACH | 7.3 | Free plan | Free | Android, API, iOS, self-hosted, Web |
| 2 | ACH Processing Company | 7.0 | No | — | API, Web |
| 3 | ACHPAY.AI | 7.0 | No | — | API, Web |
| 4 | GoACH | 6.9 | No | — | API, Web |
| 6 | ACHQ | 6.8 | No | $39/mo | API, Web |
| 7 | Checkbook.io ACH API | 6.8 | No | $2,000/mo | API, Web |
| 8 | Increase ACH | 6.8 | No | — | API, Web |
| 9 | PayJunction ACH Payment Processing | 6.8 | No | $0.75/mo | API, Browser, iOS, Web |
| 10 | Profituity | 6.8 | No | $10/mo | API, Web |
| 11 | Rotessa | 6.8 | No | $0.35/mo | API, Mac, Web, Windows |
| 12 | Stripe ACH Direct Debit | 6.8 | No | — | API, Web |
| 13 | Plaid | 6.7 | No | — | Android, API, iOS, Web |
| 14 | Nickel | 5.8 | Free plan | $35/mo | Web |
| 15 | Helix ACH | 5.4 | No | — | Web |
| 16 | Paymentus | 5.1 | No | — | Web |
| 17 | Authorize.net | 5.0 | No | $25/mo | Web |
| 18 | First ACH API | 5.0 | No | — | Web |
| 19 | Stryd | 5.0 | No | — | Web |
| 20 | GoCardless Bank Account Data | 4.9 | No | — | Web |
| 21 | Dwolla | 4.7 | No | — | Web |
Make your platform an alternative to ACH Payments
See the priceThe sponsored alternative slot on this page is labelled Sponsored.
Questions about ACH Payments alternatives
What is the best alternative to ACH Payments?
OpenACH, number 1 in ACH payment processing software with a score of 7.3 out of 10. The others here: ACH Processing Company, ACHPAY.AI, GoACH and 16 more.
What is the best free alternative to ACH Payments?
OpenACH is the best-ranked alternative with a free plan. 2 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives 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.