Best ACH Payments Alternatives in 2026
Updated
19 apps from ACH payment processing software ranked against ACH Payments on the same published basis.
- 1ACH Payments vs PayJunction ACH Payment Processing
- 2ACH Payments vs OpenACH
- 3ACH Payments vs ACHQ
- 4ACH Payments vs Stripe ACH Direct Debit
- 5ACH Payments vs Paymentus
- 6ACH Payments vs GoACH
- 7ACH Payments vs Plaid
- 8ACH Payments vs Increase ACH
- 9ACH Payments vs ACH Processing Company
- 10ACH Payments vs Dwolla
- 11ACH Payments vs Authorize.net
- 12ACH Payments vs ACHPAY.AI
- 13ACH Payments vs Profituity
- 15ACH Payments vs Rotessa
- 16ACH Payments vs First ACH API
- 17ACH Payments vs Checkbook.io ACH API
- 18ACH Payments vs Helix ACH
- 19ACH Payments vs Stryd
- 20ACH Payments vs GoCardless Bank Account Data
ACH Payments alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | PayJunction ACH Payment Processing | 8.4 | No | $0.75/mo | API, Browser, iOS, Web |
| 2 | OpenACH | 8.0 | Free plan | Free | Android, API, iOS, self-hosted, Web |
| 3 | ACHQ | 7.4 | No | $39/mo | API, Web |
| 4 | Stripe ACH Direct Debit | 7.2 | No | — | API, Web |
| 5 | Paymentus | 6.8 | No | — | Web |
| 6 | GoACH | 6.8 | No | — | API, Web |
| 7 | Plaid | 6.8 | No | — | Android, API, iOS, Web |
| 8 | Increase ACH | 6.7 | No | — | API, Web |
| 9 | ACH Processing Company | 6.7 | No | — | API, Web |
| 10 | Dwolla | 6.6 | No | — | Web |
| 11 | Authorize.net | 6.6 | No | $25/mo | Web |
| 12 | ACHPAY.AI | 6.6 | No | — | API, Web |
| 13 | Profituity | 6.2 | No | $10/mo | API, Web |
| 15 | Rotessa | 5.8 | No | $0.35/mo | API, Mac, Web, Windows |
| 16 | First ACH API | 5.7 | No | — | Web |
| 17 | Checkbook.io ACH API | 5.7 | No | $2,000/mo | API, Web |
| 18 | Helix ACH | 5.5 | No | — | Web |
| 19 | Stryd | 5.1 | No | — | Web |
| 20 | GoCardless Bank Account Data | 4.7 | No | — | Web |
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Questions about ACH Payments alternatives
What is the best alternative to ACH Payments?
PayJunction ACH Payment Processing, number 1 in ACH payment processing software with a score of 8.4 out of 10. The others here: OpenACH, ACHQ, Stripe ACH Direct Debit and 15 more.
What is the best free alternative to ACH Payments?
OpenACH is the best-ranked alternative with a free plan. 1 of the 19 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation.