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First ACH API vs OpenACH

OpenACH

7.8#1 in ach payment processing softwareFree plan
Free planAndroidiOSWebAPI
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What both publish

FactFirst ACH APIOpenACH
Company headquartersThe current contact page lists 2141 East Broadway Road, Suite 202, Tempe, Arizona 85282.EasyOFAC, described on its site as an OpenACH company, lists 401 E 8th St, Suite 214-694, Sioux Falls, South Dakota 57103.

First ACH API plans

  • Custom solutionsPriced on request
  • First ACH APIPriced on request
  • First ACH Merchant +Priced on request

OpenACH plans

  • OpenACH open-source softwareFree
  • OEM Commercial LicensePriced on request

Pick First ACH API if…

First ACH API is intended for businesses integrating payments with existing systems, merchants adding customer-initiated ACH payments to software or websites, and companies needing custom payment features.

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.

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