ACH Payments
ACH Payments provides ACH and credit or debit card processing for businesses and software providers through web tools and API access.
What ACH Payments is
ACH Payments provides ACH and credit or debit card processing for businesses and software providers through web tools and API access. Its virtual terminal handles single, future-dated, and recurring payments. Users can schedule payments, manage recurring billing, set permissions, customize email receipts, and export reports. Hosted payment pages can be created with custom fields for one-time or recurring payments. The QuickBooks payments module supports ACH and card transactions, recurring and one-time payments, reporting, and tokenization. For ChurchSquare users, payment histories update in ChurchSquare and can also be tracked through the online virtual terminal. The company says its tokenization replaces bank account data so it does not need to be stored on client servers and databases. The virtual terminal page describes the service as Level 1 PCI compliant and lists address, velocity, checking-account, and identity verification tools. The company serves businesses of different sizes and software providers, including organizations with recurring payment needs. ChurchSquare special pricing lists $0.35 a month, with a $20.00 monthly total for three accounts plus reporting and 800# support. Additional listed fees include .35 per ACH transaction, a .01 gateway fee per transaction, and $2.50 per return.
Good
- Supports scheduled and recurring ACH payments
- Offers hosted payment pages with custom fields
- API access is available
- QuickBooks module includes reporting and tokenization
Watch out
- ChurchSquare pricing includes per-transaction and return fees
- Listed ChurchSquare monthly total is $20.00
- ChurchSquare special pricing is for ChurchSquare users
Who it suits
ACH Payments suits businesses and software providers seeking ACH and card processing, including organizations with recurring payment needs. The described ChurchSquare pricing is specifically for ChurchSquare users.
Verdict
ACH Payments offers payment tools through a virtual terminal, hosted pages, integrations, and an API. Buyers should review the applicable transaction and monthly charges, especially if considering the ChurchSquare plan.
Plans and prices
From ACH Payments's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Recurring ACH calculator assumption | $0.25, paid once | Calculator assumes a 1.5% ACH decline rate · $0.25 per ACH transaction and $2 per return |
| ChurchSquare special pricing | $0.35 a month | For ChurchSquare users · prices apply to the described ACH and gateway services · $20.00 monthly for three accounts plus reporting and 800# support; ACH transaction fee is .35 each, plus .01 gateway fee per transaction and $2.50 per return; $0 application fee. |
| ChurchSquare | $20 a month | Requires application, voided check and two months of bank statements · typical approval 4–5 business days · $20.00 monthly for three accounts, reporting and 800-number support; ACH $0.35 per transaction; ACH returns $2.50; gateway $0.01 per transaction; $0 application fee |
| WaterFlex AutoDebit | $29 a month | Pricing page includes a dated limited-time offer with free setup and first-month credit · $29 monthly for ACH account, card merchant account, gateway and 800-number support; ACH $0.30 per transaction; returns $2.50 |
The facts
Each one read from ACH Payments's own pages, with the date it was checked.
What it does
- ACH dispute scope
- The site says ACH disputes are limited to an incorrect date, an incorrect amount or an unauthorized debit.checked 15 Oct 2026
- ACH retry handling
- NSF returns can be automatically retried with up to two configurable attempts.checked 15 Oct 2026
- Anti-fraud verification
- Available verification services check identity, bank-account ownership, funds availability and account status through API integrations.checked 15 Oct 2026
- API capabilities
- Gateway APIs support recurring schedules, notifications, webhooks or callbacks, verification, risk limits, white-label onboarding and API-key provisioning.checked 15 Oct 2026
- API styles
- The gateway documentation describes REST and XML APIs, language-specific SDK options, hosted payment pages and JavaScript modals.checked 15 Oct 2026
- Canada support
- The integration material lists Canadian EFT alongside U.S. ACH and card processing.checked 15 Oct 2026
- Card security
- The virtual terminal page describes the service as Level 1 PCI compliant and says it uses credit card tokenization.checked 4 Oct 2026
- ChurchSquare integration
- ChurchSquare payment histories update in ChurchSquare and can also be tracked through the online virtual terminal.checked 4 Oct 2026
- Developer support
- The API material describes bespoke integrations, an API toolkit and IT support, while the site also offers an XLS macro and tutorials for creating ACH files and uploading them by virtual terminal or FTP.checked 15 Oct 2026
- Guarantee
- The company says it will refund 100% of processing fees in the first 60 days if the customer is not satisfied.checked 4 Oct 2026
- Independent accounting integration
- LinkedIn states that the service can automatically update an accounting package after payment processing.checked 15 Oct 2026
- Independent payment channels
- LinkedIn says customers can accept eChecks or checks by telephone or fax in addition to electronic ACH and card payments.checked 15 Oct 2026
- Independent recurring-payment description
- LinkedIn describes one-time and recurring payment plans, combined ACH, check and card processing, and automated NSF collection.checked 15 Oct 2026
- Independent volume claim
- LinkedIn says the platform is intended for workloads ranging from about 10 transactions per month to 10,000 per day.checked 15 Oct 2026
- Integrations
- The QuickBooks payments module supports ACH and card transactions, one time and recurring transactions, integrated reporting, and tokenization.checked 4 Oct 2026
- Intended customers
- The company describes its services as serving businesses of all sizes and software providers, including organizations with recurring payment needs.checked 4 Oct 2026
- Limit: consumer support
- The contact page says it does not handle personal inquiries about missing payments, account debits or identifying bank-statement transactions.checked 15 Oct 2026
- Limit: settlement timing
- The ACH information page says confirmation generally takes two to three days, can take up to four, and funding typically takes four days.checked 15 Oct 2026
The company
- Company age claim
- The company page says ACH Payments has served businesses for more than 13 years.checked 15 Oct 2026
- Company guarantee
- ACH Payments promises to refund all processing fees incurred during the first 60 days if the customer is dissatisfied.checked 15 Oct 2026
- Company headquarters
- The terms page gives an office address of 15 Ingersoll Road, Saratoga Springs, New York 12866, United States.checked 15 Oct 2026
- Company name
- The merchant agreement identifies the service provider as ACH Direct, Inc., abbreviated ACHD.checked 15 Oct 2026
- Independent company category
- LinkedIn categorizes ACH Payments as a privately held financial-services company with 2–10 employees and three listed employees.checked 15 Oct 2026
Money
- Independent cost claim
- LinkedIn presents the company’s claim that payment-processing costs may be reduced by 80% or more.checked 15 Oct 2026
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