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First ACH API

First ACH API connects a business’s own interface to the First ACH payment gateway, allowing payment processing through an existing sales process.

Place
#9 of 21
Score
6.3
First ACH API's website

What First ACH API is

First ACH API connects a business’s own interface to the First ACH payment gateway, allowing payment processing through an existing sales process. Businesses can manage transactions from their own account database, submit them as they occur, and receive updates to monitor payments in their own systems. The API can support customer-initiated payments embedded in software or a website, deposits across multiple accounts, and consolidated processing for distributed networks. It supports recurring ACH payments and ACH credits. The API is intended for businesses integrating payments with existing systems, merchants enabling customer-initiated payments, and companies needing custom features. A live Internet connection is required to begin integration. First ACH offers a 30-day ACH processing trial with no cancellation penalty or termination fees, though fees still apply to processed payments. Technical support is free and available by phone and email from trained US-based professionals. Pricing for API integration, programming, or customization requires a custom proposal; no specific API price is listed. First ACH describes its hosted applications as protected by managed firewalls, encrypted account data, SSL web traffic, and network intrusion monitoring.

Good

  • Transactions can be managed from a business’s own database.
  • Provides updates for payment monitoring in the business system.
  • Supports recurring ACH payments and ACH credits.
  • Includes free technical support by phone and email.
  • Offers a 30-day processing trial.

Watch out

  • No specific API price is listed.
  • Processed-payment fees still apply during the trial.
  • A live Internet connection is required to begin integration.
  • Custom work requires a proposal.

Who it suits

First ACH API is intended for businesses integrating payments with existing systems, merchants adding customer-initiated ACH payments to software or websites, and companies needing custom payment features.

Verdict

First ACH API is aimed at businesses that want payment processing within their own interface and transaction systems. The 30-day trial can be used to evaluate processing, but processed-payment fees apply and API pricing requires a custom proposal.

Plans and prices

From First ACH API's own pricing page, checked 15 Oct 2026.

All about pricing
PlanPriceWhat it gives you
Custom solutionsPriced on requestEnterprise, integration, programming or customization proposals
First ACH APIPriced on requestCustom API integration, programming, or customization requires a custom proposal; API-specific price not stated
First ACH Merchant +Priced on requestNO SET-UP FEES · 30 DAYS RISK FEE

The facts

Each one read from First ACH API's own pages, with the date it was checked.

What it does

ACH and eCheck
The service accepts electronic checks and collects ACH payments directly from customers' checking accounts.checked 15 Oct 2026
API connection
The API connects a merchant's proprietary website, software or account database directly to the First ACH gateway.checked 15 Oct 2026
API language support
The API is language-independent and accepts an HTTPS request string containing the required transaction data.checked 15 Oct 2026
API status monitoring
The API returns transaction updates so merchants can monitor payments in their own systems.checked 15 Oct 2026
API support
First ACH says technical support for the API is free.checked 15 Oct 2026
API testing
Merchants and affiliates receive a testing environment when they enroll in the API program.checked 15 Oct 2026
API transaction management
The API lets businesses manage transactions inside their own database and submit them as transactions occur.checked 15 Oct 2026
Batch upload
Users can upload multiple ACH payments through the web interface using a comma-delimited file.checked 15 Oct 2026
BBB accreditation
The Better Business Bureau profile says First ACH is not BBB accredited.checked 15 Oct 2026
Compliance
First ACH says it is a NACHA Affiliate Program member that applies NACHA standards and has implemented PCI Security Standards Council requirements.checked 7 Oct 2026
Compliance claims
The company says it exceeds NACHA requirements and has implemented PCI Security Standards Council requirements.checked 15 Oct 2026
Customer management
The myFirstACH dashboard adds customers, edits customer records and assigns user permissions.checked 15 Oct 2026
Custom uses
The API can support embedded ACH payments in another software product, deposits across multiple accounts, and consolidated processing for distributed networks.checked 7 Oct 2026
Documentation access
API integration requirements are supplied by customer support rather than published in public documentation.checked 15 Oct 2026
eBill
The eBill feature delivers bills to customers' email inboxes for payment.checked 15 Oct 2026
Funding time
First ACH states that funds are released two business days after the transaction effective date.checked 15 Oct 2026

The company

Company founder
First ACH's management page says Paul Sabella founded the company in May 1998 and serves as president and CEO.checked 15 Oct 2026
Company headquarters
The current contact page lists 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282.checked 15 Oct 2026
Company legal name
Website terms identify Blue Parasol Group, LLC as doing business as First ACH.checked 15 Oct 2026
Company products
Crunchbase describes First ACH's products as ACH payment processing and recurring-payment setup.checked 15 Oct 2026
Company profile
Crunchbase lists First ACH as a private financial-services company headquartered in Columbia, Maryland, with 11-50 employees.checked 15 Oct 2026
Founded
First ACH’s management page says Paul Sabella founded First ACH in May 1998.checked 7 Oct 2026
Headquarters
First ACH lists its corporate headquarters at 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282.checked 7 Oct 2026
Independent company history
BBB lists the business as started January 1, 1998, with Pathfinder Payment Solutions as an alternate name.checked 15 Oct 2026

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