GoACH
GoACH is a web and API ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.
What GoACH is
GoACH is a web and API ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections. It supports recurring ACH payments, ACH credits, and same-day processing, with smart routing and real-time processing described as platform capabilities. Dashboards track returns and flag anomalies using an AI risk engine trained on merchant cash advance transaction patterns. Compliance tools include CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned with NACHA rules. Its browser terminal works without installation or API integration and supports transaction reports and CSV export. The REST API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; credentials from GoACH are required for access. Standard ACH funds typically settle within 1–2 business days, while same-day ACH is available before the cutoff window. Pricing is provided on request and depends on industry, volume, and risk profile; reserve requirements are determined during underwriting. Same-day ACH costs extra, and additional fees may apply.
Good
- Supports recurring payments and ACH credits.
- Same-day ACH is available before its cutoff.
- Browser terminal needs no installation or API integration.
- API covers transactions, returns, deposits, and reporting.
- Includes audit-ready reporting aligned to NACHA rules.
Watch out
- Pricing is provided on request.
- Reserve requirements are set during underwriting.
- Same-day ACH costs extra.
- Standard settlement typically takes 1–2 business days.
Who it suits
GoACH is aimed at businesses in industries such as merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses. It may suit teams needing ACH processing through a browser terminal or API.
Verdict
GoACH combines ACH processing, compliance features, and browser or API access for high-risk businesses. Pricing and reserve requirements vary, and same-day service costs extra.
Plans and prices
From GoACH's own pricing page, checked 2 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Custom pricing | Priced on request | Per-transaction fee typically $0.20 – $1.50 · percentage fee may apply · monthly fee varies · return fee $5 – $35 · same-day ACH costs extra · reserve case-by-case · Quote based on industry, processing volume, and risk profile |
The facts
Each one read from GoACH's own pages, with the date it was checked.
What it does
- API
- The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH.checked 2 Oct 2026
- Compliance
- GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules.checked 2 Oct 2026
- Integrations
- GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records.checked 2 Oct 2026
- Payment processing
- The platform supports same-day ACH and describes real-time processing with smart routing.checked 2 Oct 2026
- Pricing limits
- Exact account pricing depends on industry, processing volume, and risk profile, and reserve requirements are set during underwriting.checked 2 Oct 2026
- Product
- GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.checked 2 Oct 2026
- Risk monitoring
- Its AI risk engine is trained on MCA transaction patterns, and live dashboards track returns and provide anomaly alerts.checked 2 Oct 2026
- Security
- Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information.checked 2 Oct 2026
- Settlement
- The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window.checked 2 Oct 2026
- Support
- GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224.checked 2 Oct 2026
- Supported industries
- The maker lists merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses as industries served.checked 2 Oct 2026
Where it runs
- Browser terminal
- The online terminal works in a browser without installation or API integration and supports transaction reports and CSV export.checked 2 Oct 2026
The company
- Company
- GoACH is operated by Unity FI Solutions LLC and headquartered in Charlotte, North Carolina.checked 2 Oct 2026
- Headquarters
- Charlotte, North Carolina, United Stateschecked 28 Sep 2026
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