GoACH
5.3#20 in ach payment processing softwareWebAPI
VisitGoACH vs OpenACH
What both publish
| Fact | GoACH | OpenACH |
|---|---|---|
| API | The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH. | OpenACH offers a REST/JSON API for integrating business software with ACH payment processing. |
| Integrations | GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records. | 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 | Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information. | The Docker instructions say the setup generates an encryption key for data and advise protecting the configuration file containing it. |
| Support | GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224. | OpenACH says users can contact its team for both basic and technical questions and hosted setup assistance. |
GoACH plans
- Custom pricingPriced on request
OpenACH plans
- OpenACH open-source softwareFree
- OEM Commercial LicensePriced on request
Pick GoACH if…
GoACH is aimed at businesses in industries such as merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses. It may suit teams needing ACH processing through a browser terminal or API.
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.