Authorize.net
6.7#6 in virtual terminal software$25 usage-basedAndroidiOSWebAPI
VisitAuthorize.net vs OpenACH
What both publish
| Fact | Authorize.net | OpenACH |
|---|---|---|
| Integrations | Authorize.net provides an API with XML and JSON variants, and a certified network of technology and solution partners. | The site reports that U.S. Bank completed OpenACH integration testing and describes a bank plugin for transferring files and handling returns and changes. |
| Security | The pricing page describes its gateway as secure and lists customizable fraud detection tools. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | Merchant support is available 24x7, except major holidays, by phone, online chat, or support case. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
| What it does | Authorize.net helps businesses accept electronic and credit card payments in person, online, and over the phone. | OpenACH is a web-based ACH origination and payment-processing platform that can use a bank selected by the customer. |
Authorize.net plans
- All-in-one$25 a month
- Gateway only$25 a month
- Gateway + eCheck$25 a month
OpenACH plans
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
Pick Authorize.net if…
You want what its maker publishes above — check its page for the details.
Pick OpenACH if…
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.