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OpenACH

B
B tier on ACH Payment Processing SoftwareScore 7.1 · #1 of 21
Android app
Yes
Free plan
Yes
Runs on
Android, api, iOS, self-hosted, Web
openach.com
The OpenACH homepage
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Summary

OpenACH is an open-source, web-based platform for originating and processing ACH payments. It supports recurring ACH payments and ACH credits, and its mobile-enabled web interface can schedule transactions. Businesses can use their own bank; the platform says it can work with any major bank. A REST/JSON API connects business software to payment processing, while its NACHA libraries convert data into NACHA files for existing systems. OpenACH is available as a Docker image or as source for installation on an existing web application server. It is written in PHP and uses PostgreSQL. The open-source software is free under GPL v3.0 for open-source applications distributed under that license. A separate commercial license is available for OEMs, ISVs, and VARs distributing it without GPL source distribution; no price is listed for that license. OpenACH reports completed integration testing with U.S. Bank and describes a bank plugin for file transfers, returns, and changes. Docker setup generates an encryption key for data, and the configuration file containing it should be protected.

Who it is for

OpenACH suits businesses seeking ACH processing, organizations connecting existing payment systems, and developers or system integrators. Its API, NACHA libraries, and self-hosting options are relevant to teams integrating payment workflows.

What is good

  • Supports recurring ACH payments and ACH credits.
  • REST/JSON API connects business software.
  • Can be installed as a Docker image or from source.
  • Mobile-enabled web interface schedules transactions.

What to know first

  • Free use is for applications distributed under GPL v3.0.
  • A separate commercial license has no listed price.
  • The encryption-key configuration file should be protected.

Verdict

OpenACH combines payment scheduling, API access, and NACHA file handling, with deployment options for self-hosting. Confirm that the GPL terms fit your distribution model, or ask about the separate commercial license.

OpenACH plans and pricing

All plans
OpenACH open-source software Free Free under GPL v3.0 for open-source applications distributed under GPL openach.com · 4 Oct 2026
OEM Commercial License Not published For OEMs, ISVs, and VARs distributing OpenACH with products without distributing source under GPL v3.0 openach.com · 4 Oct 2026

Compared on ACH payment processing software

Free plan
Yesopenach.com
Recurring ACH payments
Yesopenach.com
ACH credit support
Yesopenach.com
API access
Yesopenach.com

Facts

Purpose
OpenACH is an open-source, web-based platform for ACH origination and payment processing.openach.com · 4 Oct 2026
Bank choice
The platform supports a bring-your-own-bank model and says it can use any major bank to process payments.openach.com · 4 Oct 2026
API
OpenACH offers a REST/JSON API for integrating business software with ACH payment processing.openach.com · 4 Oct 2026
NACHA libraries
The core OpenACH NACHA libraries can transform data into NACHA files for use with existing software.openach.com · 4 Oct 2026
Payment scheduling
The web front end provides a mobile-enabled interface for scheduling transactions.openach.com · 4 Oct 2026
Integrations
The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes.openach.com · 4 Oct 2026
Deployment
OpenACH can be downloaded as a Docker image or as source for installation on an existing web application server.openach.com · 4 Oct 2026
Technology
The site describes OpenACH as written in PHP and using PostgreSQL.openach.com · 4 Oct 2026
License
OpenACH is offered under GPL v3.0, with a separate commercial license available for certain distributors.openach.com · 4 Oct 2026
Security
The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it.openach.com · 4 Oct 2026
Support
The maker invites users to contact its team with simple or technical questions and says its staff know the system.openach.com · 4 Oct 2026
Audience
The maker describes OpenACH for businesses seeking ACH processing, organizations integrating existing payment systems, and developers or system integrators.openach.com · 4 Oct 2026

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