Summary
ACHQ processes ACH and eCheck payments for merchants, payment platforms, ISVs, and partners serving merchants. It supports one-time payments, recurring billing, and electronic check conversion, with real-time bank account validation and direct acceptance of Plaid tokens for authorizing transfers. Businesses can use an ACHQ-hosted checkout page, Plaid Link token capture, or a REST API. The API uses JSON over HTTPS, supports idempotency keys, and has SDKs for Node, Python, Ruby, and PHP. ACHQ describes its webhooks as HMAC-signed, automatically retried, and replayable from the dashboard. Reporting covers transaction monitoring, settlement reports, return-rate trends, exports, and an immutable action log. ACHQ says bank accounts are stored as reusable tokens, keeping account personal information out of customers’ systems. Pricing starts at $39/mo, with transaction fees also listed by plan. There is no free plan or trial, but sandbox API access is free; production use requires applying for an account.
Who it is for
ACHQ suits merchants and payment platforms that need ACH or eCheck processing, including recurring billing and API integrations. It may also suit teams that need settlement reporting and bank-account validation.
What is good
- Supports one-time and recurring ACH payments.
- Accepts Plaid tokens for authorization.
- Offers REST API and SDKs for four languages.
- Dashboard includes settlement and return-rate reporting.
- Same-day ACH is available.
What to know first
- No free plan or free trial.
- Starter is limited to 500 transactions per month.
- Production use requires applying for an account.
- Transaction fees are charged in addition to monthly plans.
Verdict
ACHQ combines payment processing with validation, API tools, and operational reporting. Its monthly plans start at $39/mo, and transaction fees vary by plan.
ACHQ plans and pricing
All plansCompared on ACH payment processing software
Facts
- Product
- ACHQ provides ACH and eCheck processing for merchants and payment platforms.achq.com · 28 Sept 2026
- Payment types
- The platform supports one-time ACH, recurring billing, and electronic check conversion.achq.com · 28 Sept 2026
- Verification
- ACHQ offers real-time bank account validation and accepts Plaid tokens directly for authorizing ACH transfers.achq.com · 28 Sept 2026
- Integration options
- Customers can use an ACHQ-hosted checkout page, Plaid Link tokenized capture, or a REST API.achq.com · 28 Sept 2026
- Developer tools
- The REST API uses JSON over HTTPS, supports idempotency keys, and provides SDKs for Node, Python, Ruby, and PHP.achq.com · 28 Sept 2026
- Webhooks
- ACHQ describes its webhooks as HMAC-signed, automatically retried, and replayable from the dashboard.achq.com · 28 Sept 2026
- Reporting
- The dashboard includes transaction monitoring, daily settlement reports, return-rate trends, exports, and an immutable user action log.achq.com · 28 Sept 2026
- Security
- ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information.achq.com · 28 Sept 2026
- Compliance
- ACHQ's trust portal lists CCPA and GLBA and offers access to security documentation; it says it is working on security compliance and can provide completed questionnaires upon request.security.achq.com · 28 Sept 2026
- Support
- ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale.achq.com · 28 Sept 2026
- Settlement
- ACHQ states standard ACH settlement is 1–2 days and says same-day ACH is available for time-sensitive payments.achq.com · 28 Sept 2026
- Who it serves
- ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants.achq.com · 28 Sept 2026
- Sandbox
- ACHQ says sandbox API access is free and production use requires applying for a production account.achq.com · 28 Sept 2026
Company
- Headquarters
- Sarasota, Florida, United Statesachq.com · 23 Sept 2026
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Sources
- achq.com· checked 28 Sept 2026
- achq.com/solutions/payments· checked 28 Sept 2026
- achq.com/solutions/bank-verification· checked 28 Sept 2026
- achq.com/solutions/payment-gateway· checked 28 Sept 2026
- security.achq.com· checked 28 Sept 2026
- achq.com/pricing· checked 28 Sept 2026