ACHQ
5.9#15 in ach payment processing softwareFrom $39 a monthWebAPI
VisitACHQ vs GoCardless Bank Account Data
GoCardless Bank Account Data
6.9#4 in bank connectivity softwareFree planFree planWebAPI
VisitWhat both publish
| Fact | ACHQ | GoCardless Bank Account Data |
|---|---|---|
| Developer tools | The REST API uses JSON over HTTPS, supports idempotency keys, and provides SDKs for Node, Python, Ruby, and PHP. | GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. |
| Headquarters | Sarasota, Florida, United States | London, United Kingdom |
| Product | ACHQ provides ACH and eCheck processing for merchants and payment platforms. | Bank Account Data API connects to users’ bank accounts through bank PSD2 APIs and returns account information in JSON. |
| Security | ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information. | GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit. |
| Support | ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale. | The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT. |
| Who it serves | ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants. | GoCardless says businesses can use its open banking network to access financial data such as account information and transaction history. |
ACHQ plans
- Starter$39 a month
- Growth$59 a month
- Scale$99 a month
GoCardless Bank Account Data plans
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
Pick ACHQ if…
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.
Pick GoCardless Bank Account Data if…
The API suits businesses that need consent-based access to bank account identity, balance, or transaction data. Developers can integrate through its JSON API, subject to regional availability and bank request limits.