Best First ACH API Alternatives in 2026
Updated
20 apps from ACH payment processing software ranked against First ACH API on the same published basis.
- 1First ACH API vs OpenACH
- 2First ACH API vs PayJunction ACH Payment Processing
- 3First ACH API vs Plaid
- 4First ACH API vs Nickel
- 5First ACH API vs ACH Processing Company
- 6First ACH API vs ACHPAY.AI
- 7First ACH API vs ACH Payments
- 8First ACH API vs GoACH
- 9First ACH API vs ACHQ
- 10First ACH API vs Checkbook.io ACH API
- 11First ACH API vs Helix ACH
- 12First ACH API vs Increase ACH
- 13First ACH API vs Profituity
- 14First ACH API vs Rotessa
- 15First ACH API vs Stripe ACH Direct Debit
- 16First ACH API vs Paymentus
- 17First ACH API vs Authorize.net
- 19First ACH API vs GoCardless Bank Account Data
- 20First ACH API vs Stryd
- 21First ACH API vs Dwolla
First ACH API alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | OpenACH | 7.8 | Free plan | Free | Android, API, iOS, self-hosted, Web |
| 2 | PayJunction ACH Payment Processing | 7.1 | No | $0.75/mo | API, Browser, iOS, Web |
| 3 | Plaid | 7.0 | No | — | Android, API, iOS, Web |
| 4 | Nickel | 6.2 | Free plan | $35/mo | Web |
| 5 | ACH Processing Company | 5.9 | No | — | API, Web |
| 6 | ACHPAY.AI | 5.8 | No | — | API, Web |
| 7 | ACH Payments | 5.7 | No | $0.35/mo | API, Web |
| 8 | GoACH | 5.7 | No | — | API, Web |
| 9 | ACHQ | 5.6 | No | $39/mo | API, Web |
| 10 | Checkbook.io ACH API | 5.6 | No | $2,000/mo | API, Web |
| 11 | Helix ACH | 5.6 | No | — | Web |
| 12 | Increase ACH | 5.6 | No | — | API, Web |
| 13 | Profituity | 5.6 | No | $10/mo | API, Web |
| 14 | Rotessa | 5.6 | No | $0.35/mo | API, Mac, Web, Windows |
| 15 | Stripe ACH Direct Debit | 5.6 | No | — | API, Web |
| 16 | Paymentus | 5.3 | No | — | Web |
| 17 | Authorize.net | 5.2 | No | $25/mo | Web |
| 19 | GoCardless Bank Account Data | 5.1 | No | — | Web |
| 20 | Stryd | 5.1 | No | — | Web |
| 21 | Dwolla | 4.8 | No | — | Web |
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Questions about First ACH API alternatives
What is the best alternative to First ACH API?
OpenACH, number 1 in ACH payment processing software with a score of 7.8 out of 10. The others here: PayJunction ACH Payment Processing, Plaid, Nickel and 16 more.
What is the best free alternative to First ACH API?
OpenACH is the best-ranked alternative with a free plan. 2 of the 20 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.