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ACHPAY.AI
What it is
ACHPAY.AI is a web and API platform that combines payment processing with accounting, CRM, and marketing tools. Its offerings include ACH billing, credit card processing, accounting software, and recurring billing software. ACH billing supports recurring charges, configurable subscription intervals, prorations, and upgrades or downgrades. Customers can connect bank accounts through Plaid or micro-deposits, and the platform offers payment links and next-day funding options. ACH fees are described as as low as 0.35% and no more than $5.00 per transaction; an ACH processing plan is priced on request, up to $5.00 per transaction. Payments can be matched to invoices and synced with accounting software. The billing API supports subscription schedules, one-off and recurring invoices, tax calculation, and webhook events. Pre-built integrations include QuickBooks, Xero, and HubSpot. Pricing is available on request, and the site offers a free trial without specifying its duration.
For and against
For
- Supports recurring ACH billing and payment links.
- Offers next-day funding options.
- Connects with QuickBooks, Xero, and HubSpot.
- Provides API documentation and webhook events.
Against
- Pricing is available on request.
- ACH fees can reach $5.00 per transaction.
The verdict
ACHPAY.AI combines payment tools with accounting, CRM, and marketing functions, with recurring billing and API support. Review its pricing and fee terms with the provider, since pricing is on request.
Who it suits
ACHPAY.AI may suit online or in-person retailers, subscription businesses, software platforms, and marketplaces that need ACH billing or related payment and accounting tools.
Plans and prices
ACH processing
Up to $5.00 per transaction
Read 5 Oct 2026 · achpay.ai
On the record
- ACH billing
- Its ACH billing service supports recurring billing, prorations, upgrades, downgrades, next-day funding options, and custom fee routing.achpay.ai · read 5 Oct 2026
- API
- The billing API supports subscription schedules, one-off and recurring invoices, tax calculation, and webhook events.achpay.ai · read 5 Oct 2026
- API and webhooks
- The home page describes API documentation for custom development and webhooks for real-time event synchronization.achpay.ai · read 4 Oct 2026
- Bank linking
- Customers can link bank accounts through Plaid or use micro-deposits.achpay.ai · read 5 Oct 2026
- Compliance
- The ACH billing page claims NACHA compliance and PCI DSS Level 1 certification, and mentions automated SOC 2 Type II compliance reporting.achpay.ai · read 5 Oct 2026
- Fees
- The ACH billing page says ACH fees are as low as 0.35% and never more than $5.00 per transaction.achpay.ai · read 4 Oct 2026
- Funding
- The service offers next-day funding options.achpay.ai · read 4 Oct 2026
- Integrations
- The home page lists pre-built integrations with QuickBooks, Xero, and HubSpot, plus API documentation and webhooks.achpay.ai · read 5 Oct 2026
- Intended users
- The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces.achpay.ai · read 5 Oct 2026
- Payments
- The platform offers ACH billing, credit card processing, accounting software, and recurring billing software.achpay.ai · read 5 Oct 2026
- Platform
- ACHPAY.AI describes itself as an all-in-one platform for payments, accounting, CRM, and marketing.achpay.ai · read 5 Oct 2026
- Product
- ACHPAY.AI describes itself as an all-in-one platform for payments, accounting, CRM, and marketing.achpay.ai · read 4 Oct 2026
- Reconciliation
- The service automatically matches payments to invoices and syncs them with accounting software.achpay.ai · read 5 Oct 2026
- Risk controls
- The service describes built-in underwriting, KYC/AML compliance, fraud monitoring, and machine-learning fraud detection.achpay.ai · read 5 Oct 2026
- Security
- The ACH billing page states that sensitive financial data is protected at rest and in transit with 256-bit encryption.achpay.ai · read 5 Oct 2026
- Trial
- The home page and ACH billing page both offer a “Start Your Free Trial” call to action, without stating its duration.achpay.ai · read 5 Oct 2026
- Who it serves
- The home page says its products serve online and in-person retailers, subscription businesses, software platforms, and marketplaces.achpay.ai · read 4 Oct 2026
