Best ACH Payment Processing Software in 2026
Updated
In short: Nickel is ranked #1 of 21 as of 4 October 2026, ahead of ACH Processing Company and Plaid. The best-ranked option with a free plan is OpenACH. The lowest first paid tier on this page is PayJunction ACH Payment Processing at $0.75/mo.
If you’re choosing a way to collect or send payments over the Automated Clearing House network, compare how each option handles your payment flow. ACH credit support, transaction limits, recurring payments, and same-day ACH cover key payment needs; payment links may suit a different workflow than API access and webhooks. The ranking also notes free plans and paid-from pricing, so you can weigh those details alongside the listed features. Nickel leads the entries, followed by ACH Processing Company and GoACH. PayJunction ACH Payment Processing, Plaid, ACHQ, Checkbook.io ACH API, and Increase ACH also appear near the start. Use the comparison criteria to focus on the capabilities relevant to your payments.
21 ACH payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
#2 ACH Processing Company Runner-up · 6.4 
#3 Plaid Also great · 6.3 
- Free plan Web
- Free plan
- Yes
- Paid from
- 35 /mo
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Same-day ACH
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms$35/mofirst paid tier About NickelVisit site - apiWeb
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms - Free trial AndroidapiiOSWeb
- Free plan
- No
RecognisedDocumentedFree planPlatforms - apiWeb
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Same-day ACH
- Yes
RecognisedDocumentedFree planPlatforms - apiextensioniOSWeb
- Free plan
- No
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms$0.75/mofirst paid tier About PayJunction ACH Payment ProcessingVisit site - apiWeb
- Free plan
- No
- Paid from
- 39 /mo
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Same-day ACH
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms$39/mofirst paid tier About ACHQVisit site - apiWeb
- Free plan
- No
- Paid from
- 2,000 /mo
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Same-day ACH
- Yes
RecognisedDocumentedFree planPlatforms$2,000/mofirst paid tier About Checkbook.io ACH APIVisit site - apiWeb
- Free plan
- No
- ACH credit support
- Yes
- Same-day ACH
- Yes
RecognisedDocumentedFree planPlatforms - apiWeb
- Free plan
- No
- Paid from
- 10 /mo
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Same-day ACH
- Yes
RecognisedDocumentedFree planPlatforms$10/mofirst paid tier About ProfituityVisit site - apiWeb
- Free plan
- No
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms - WebWindowsmacOS
- Free plan
- No
- Paid from
- 17 /mo
- Recurring ACH payments
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Recurring ACH payments
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Recurring ACH payments
- Yes
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Paid from
- 25 /mo
- Recurring ACH payments
- Yes
RecognisedDocumentedFree planPlatforms$25/mofirst paid tier About Authorize.netVisit site - Web
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
RecognisedDocumentedFree planPlatforms - Free plan AndroidapiiOSself-hostedWeb
- Free plan
- Yes
- Recurring ACH payments
- Yes
- ACH credit support
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Recurring ACH payments
- Yes
- ACH credit support
- No
- Payment links
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Recurring ACH payments
- Yes
RecognisedDocumentedFree planPlatforms - WebRecognisedDocumentedFree planPlatforms
- Web
- Recurring ACH payments
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
RecognisedDocumentedFree planPlatforms
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which ACH payment processing software is ranked first on Everything Xiaomi?
Nickel is ranked #1 of 21 with a score of 6.7. ACH Processing Company is second and Plaid third.
How many of these have a free plan?
2 of the 21 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, PayJunction ACH Payment Processing has the lowest first paid tier we found: $0.75/mo.
How is this list ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.