GoACH
Charlotte, North Carolina, United States
What it is
GoACH is an ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections. It is available through web access and an API, and supports recurring payments, ACH credits, and same-day ACH. The platform describes real-time processing with smart routing; dashboards track returns and flag anomalies using an AI risk engine trained on merchant cash advance transaction patterns. Compliance tools include CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and reporting aligned to NACHA rules. The browser terminal works without installation or API integration and supports transaction reports and CSV export. Its REST API covers transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting, though access requires credentials from GoACH. Standard ACH funds typically settle within 1–2 business days; same-day service is available before the cutoff window. Pricing is provided on request and depends on industry, processing volume, and risk profile. Reserve requirements are set during underwriting, same-day ACH costs extra, and other fees may apply. GoACH is operated by Unity FI Solutions LLC and is headquartered in Charlotte, North Carolina.
For and against
For
- Supports recurring ACH payments and ACH credits
- Same-day ACH is available before the cutoff window
- Browser terminal needs no installation or API integration
- REST API covers transactions, returns, deposits, and reporting
- Dashboards track returns and provide anomaly alerts
Against
- Pricing is provided on request
- Reserve requirements are set during underwriting
- Same-day ACH costs extra
- API access requires credentials from GoACH
The verdict
GoACH combines ACH processing with a browser terminal, API access, and compliance-oriented tools for its listed business sectors. Pricing depends on the business profile, and reserve requirements and applicable fees should be clarified during the account process.
Who it suits
GoACH is intended for businesses in areas such as merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses. Its browser terminal may suit teams that need reports and CSV export without installing software or integrating an API.
Plans and prices
Custom pricing
Per-transaction fee typically $0.20 – $1.50 · percentage fee may apply · monthly fee varies · return fee $5 – $35
Read 2 Oct 2026 · goach.com
On the record
- API
- The REST API supports transactions, recurring schedules, clients, bank accounts, returns, deposits, and reporting; API access requires credentials from GoACH.goach.com · read 2 Oct 2026
- Browser terminal
- The online terminal works in a browser without installation or API integration and supports transaction reports and CSV export.goach.com · read 2 Oct 2026
- Company
- GoACH is operated by Unity FI Solutions LLC and headquartered in Charlotte, North Carolina.goach.com · read 2 Oct 2026
- Compliance
- GoACH supports CCD, PPD, WEB, and TEL SEC codes, WEB debit authorization management, and audit-ready reporting aligned to NACHA rules.goach.com · read 2 Oct 2026
- Integrations
- GoACH describes an integration with MCA Track that syncs ACH activity and returns with deal servicing records.goach.com · read 2 Oct 2026
- Payment processing
- The platform supports same-day ACH and describes real-time processing with smart routing.goach.com · read 2 Oct 2026
- Pricing limits
- Exact account pricing depends on industry, processing volume, and risk profile, and reserve requirements are set during underwriting.goach.com · read 2 Oct 2026
- Product
- GoACH is a NACHA-compliant ACH processor for high-risk businesses, including merchant cash advance, credit repair, debt settlement, and collections.goach.com · read 2 Oct 2026
- Risk monitoring
- Its AI risk engine is trained on MCA transaction patterns, and live dashboards track returns and provide anomaly alerts.goach.com · read 2 Oct 2026
- Security
- Account security settings include Authy two-factor authentication, password management, IP whitelisting, and recent login and IP information.goach.com · read 2 Oct 2026
- Settlement
- The pricing page says standard ACH funds typically settle within 1–2 business days, with same-day ACH available before the cutoff window.goach.com · read 2 Oct 2026
- Support
- GoACH lists dedicated support and provides support by email at [email protected] and by phone at (888) 984-6224.goach.com · read 2 Oct 2026
- Supported industries
- The maker lists merchant cash advance, credit repair, debt settlement, collections, insurance premiums, and new businesses as industries served.goach.com · read 2 Oct 2026
