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ACH Payments
What it is
ACH Payments provides ACH and credit card processing for businesses and software providers through a web-based virtual terminal and API. The terminal handles single, future-dated, and recurring ACH and credit or debit card payments. Payment management includes scheduling, recurring billing, user permissions, customizable email receipts, and exportable reports. Website payment tools can create hosted pages with custom fields for one-time or recurring payments. The QuickBooks payments module supports ACH and card transactions, recurring and one-time payments, reporting, and tokenization. For ChurchSquare, payment histories update in the ChurchSquare system and can also be tracked through the online terminal. The company says its tokenization replaces bank account data so it need not be stored on client servers and databases. The virtual terminal page describes Level 1 PCI compliance and lists address verification, velocity controls, checking account verification, and identity verification. ChurchSquare special pricing is $0.35 a month, with a $20.00 monthly total for three accounts plus reporting and 800# support. ACH transaction fees are .35 each, plus a .01 gateway fee per transaction and $2.50 per return. The company says it will refund 100% of processing fees in the first 60 days if the customer is not satisfied.
For and against
For
- Supports recurring ACH and card payments.
- Hosted pages support custom payment fields.
- QuickBooks module includes reporting and tokenization.
- Company describes a first-60-days processing-fee refund guarantee.
Against
- ChurchSquare pricing is specific to its users.
- ACH transactions have a .35 fee each.
- Returns have a $2.50 fee.
- Listed ChurchSquare total is $20.00 monthly for three accounts.
The verdict
ACH Payments offers payment processing through a virtual terminal, hosted pages, and API access, alongside integrations for QuickBooks and ChurchSquare. The listed ChurchSquare terms include monthly and transaction charges.
Who it suits
ACH Payments suits businesses and software providers needing ACH or card processing, including organizations with recurring payment needs. Its QuickBooks and ChurchSquare integrations may suit customers using those systems.
Plans and prices
Recurring ACH calculator assumption
Calculator assumes a 1.5% ACH decline rate
Read 15 Oct 2026 · ach-payments.com
ChurchSquare
Requires application, voided check and two months of bank statements · typical approval 4–5 business days
Read 15 Oct 2026 · ach-payments.com
WaterFlex AutoDebit
Pricing page includes a dated limited-time offer with free setup and first-month credit
Read 15 Oct 2026 · ach-payments.com
ChurchSquare special pricing
For ChurchSquare users · prices apply to the described ACH and gateway services
Read 4 Oct 2026 · ach-payments.com
On the record
- ACH dispute scope
- The site says ACH disputes are limited to an incorrect date, an incorrect amount or an unauthorized debit.ach-payments.com · read 15 Oct 2026
- ACH retry handling
- NSF returns can be automatically retried with up to two configurable attempts.ach-payments.com · read 15 Oct 2026
- Anti-fraud verification
- Available verification services check identity, bank-account ownership, funds availability and account status through API integrations.ach-payments.com · read 15 Oct 2026
- API capabilities
- Gateway APIs support recurring schedules, notifications, webhooks or callbacks, verification, risk limits, white-label onboarding and API-key provisioning.ach-payments.com · read 15 Oct 2026
- API styles
- The gateway documentation describes REST and XML APIs, language-specific SDK options, hosted payment pages and JavaScript modals.ach-payments.com · read 15 Oct 2026
- Canada support
- The integration material lists Canadian EFT alongside U.S. ACH and card processing.ach-payments.com · read 15 Oct 2026
- Card security
- The virtual terminal page describes the service as Level 1 PCI compliant and says it uses credit card tokenization.ach-payments.com · read 4 Oct 2026
- ChurchSquare integration
- ChurchSquare payment histories update in ChurchSquare and can also be tracked through the online virtual terminal.ach-payments.com · read 4 Oct 2026
- Company age claim
- The company page says ACH Payments has served businesses for more than 13 years.ach-payments.com · read 15 Oct 2026
- Company guarantee
- ACH Payments promises to refund all processing fees incurred during the first 60 days if the customer is dissatisfied.ach-payments.com · read 15 Oct 2026
- Company headquarters
- The terms page gives an office address of 15 Ingersoll Road, Saratoga Springs, New York 12866, United States.ach-payments.com · read 15 Oct 2026
- Company name
- The merchant agreement identifies the service provider as ACH Direct, Inc., abbreviated ACHD.ach-payments.com · read 15 Oct 2026
- Developer support
- The API material describes bespoke integrations, an API toolkit and IT support, while the site also offers an XLS macro and tutorials for creating ACH files and uploading them by virtual terminal or FTP.ach-payments.com · read 15 Oct 2026
- Guarantee
- The company says it will refund 100% of processing fees in the first 60 days if the customer is not satisfied.ach-payments.com · read 4 Oct 2026
- Independent accounting integration
- LinkedIn states that the service can automatically update an accounting package after payment processing.linkedin.com · read 15 Oct 2026
- Independent company category
- LinkedIn categorizes ACH Payments as a privately held financial-services company with 2–10 employees and three listed employees.linkedin.com · read 15 Oct 2026
- Independent cost claim
- LinkedIn presents the company’s claim that payment-processing costs may be reduced by 80% or more.linkedin.com · read 15 Oct 2026
- Independent payment channels
- LinkedIn says customers can accept eChecks or checks by telephone or fax in addition to electronic ACH and card payments.linkedin.com · read 15 Oct 2026
