ACHQ
Sarasota, Florida, United States
What it is
ACHQ provides ACH and eCheck processing for merchants, payment platforms, ISVs, and partners serving merchants. It handles one-time ACH payments, recurring billing, and electronic check conversion. Real-time bank-account validation and direct Plaid token acceptance support authorization. Businesses can use an ACHQ-hosted checkout page, Plaid Link token capture, or a REST API using JSON over HTTPS. The API supports idempotency keys and SDKs for Node, Python, Ruby, and PHP. Webhooks are described as HMAC-signed, automatically retried, and replayable from the dashboard. Reporting includes transaction monitoring, settlement reports, return-rate trends, exports, and an immutable user-action log. ACHQ says bank accounts are stored as reusable tokens, keeping account personal information out of customer systems. Starter costs $39 a month, billed $39/mo, with transaction fees starting at 0.5% + $0.50 per ACH transaction. Growth is $59 a month and Scale is $99 a month. There is no free plan or trial; sandbox API access is free.
For and against
For
- Recurring and one-time ACH payments
- Real-time bank-account validation
- REST API with language SDKs
- Replayable, signed webhooks
- Dashboard settlement and return reporting
Against
- No free plan or free trial
- Production access requires an application
- Monthly fees plus per-transaction charges
- Platforms listed are API and web
The verdict
ACHQ combines ACH processing, verification, developer tools, webhooks, and transaction reporting. Its tiered plans provide different support and settlement options, but production users must budget for subscription and transaction fees.
Who it suits
ACHQ is aimed at merchants, payment platforms, ISVs, and partners that need ACH or eCheck processing. It suits teams wanting hosted checkout, Plaid capture, or API-based integration.
Plans and prices
Starter
Up to 500 transactions / mo · Online and mobile payments · Recurring billing · Standard 2-day settlement
Read 28 Sep 2026 · achq.com
Growth
Up to 2,500 transactions / mo · Bank account verification · Webhooks and full API access · Priority 1-day settlement
Read 28 Sep 2026 · achq.com
Scale
Volume-based pricing · Dedicated success manager · Custom integrations and SLAs · Same-day ACH available
Read 28 Sep 2026 · achq.com
On the record
- Compliance
- ACHQ's trust portal lists CCPA and GLBA and offers access to security documentation; it says it is working on security compliance and can provide completed questionnaires upon request.security.achq.com · read 28 Sep 2026
- Developer tools
- The REST API uses JSON over HTTPS, supports idempotency keys, and provides SDKs for Node, Python, Ruby, and PHP.achq.com · read 28 Sep 2026
- Integration options
- Customers can use an ACHQ-hosted checkout page, Plaid Link tokenized capture, or a REST API.achq.com · read 28 Sep 2026
- Payment types
- The platform supports one-time ACH, recurring billing, and electronic check conversion.achq.com · read 28 Sep 2026
- Product
- ACHQ provides ACH and eCheck processing for merchants and payment platforms.achq.com · read 28 Sep 2026
- Reporting
- The dashboard includes transaction monitoring, daily settlement reports, return-rate trends, exports, and an immutable user action log.achq.com · read 28 Sep 2026
- Sandbox
- ACHQ says sandbox API access is free and production use requires applying for a production account.achq.com · read 28 Sep 2026
- Security
- ACHQ says bank accounts are stored as reusable tokens and that customers' systems do not handle the account personal information.achq.com · read 28 Sep 2026
- Settlement
- ACHQ states standard ACH settlement is 1–2 days and says same-day ACH is available for time-sensitive payments.achq.com · read 28 Sep 2026
- Support
- ACHQ advertises US-based human support, with email support on Starter, phone and email on Growth, and 24/7 priority support on Scale.achq.com · read 28 Sep 2026
- Verification
- ACHQ offers real-time bank account validation and accepts Plaid tokens directly for authorizing ACH transfers.achq.com · read 28 Sep 2026
- Webhooks
- ACHQ describes its webhooks as HMAC-signed, automatically retried, and replayable from the dashboard.achq.com · read 28 Sep 2026
- Who it serves
- ACHQ describes its customers as merchants, platforms, ISVs, and partners serving merchants.achq.com · read 28 Sep 2026
