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Profituity
Wexford, Pennsylvania, United States
What it is
Profituity is a paid platform combining ACH payment processing, compliance, and audit-readiness services. Founded in 2012 in Wexford, Pennsylvania, it serves merchants, ISVs and merchant service providers, financial institutions, and third-party processors. Profituity Cloud presents real-time ACH program dashboards and incorporates Nacha rule changes into policies, monitoring, and documentation. The company says documentation is generated continuously during normal operations for exam readiness. It describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor. The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules. An API exposes nearly all website features for customer applications, with sandbox credentials for testing; HTTPS is required to protect credentials and tokens. Listed capabilities include recurring ACH, ACH credits, same-day ACH, and webhooks. The RTO Pro ACH integration costs $10 a month, plus 25¢ per transaction, $1.95 per return, and $15 per unauthorized return.
For and against
For
- Combines ACH processing, compliance, and audit readiness
- Provides real-time program-status dashboards
- Updates policies and monitoring for Nacha rule changes
- Offers API access with sandbox credentials
- Supports recurring, credit, and same-day ACH
Against
- No free plan
- RTO Pro charges per transaction and return
- RTO Pro integration requires approval
The verdict
Profituity brings payment operations and compliance controls into one portal. Its dashboards, continuously generated documentation, API, and ACH options fit regulated payment workflows.
Who it suits
It is designed for organizations handling ACH programs, compliance duties, and audit preparation. Developers can use the API sandbox and built-in RTO Pro integration after approval.
Plans and prices
RTO Pro ACH integration
ACH processing for RTO Pro · 25¢ per transaction · $1.95 per return · $15 per unauthorized return
Read 22 Sep 2026 · profituity.com
RTO Pro transaction fee
Applies per transaction
Read 22 Sep 2026 · profituity.com
RTO Pro ACH processing
25¢ per transaction · $1.95 per return · $15 unauthorized return · transactions $5,000+ additional 0.75% discount
Read 30 Sep 2026 · profituity.com
On the record
- API
- The Profituity API provides access to nearly all features available on its website for use in customer applications.help.profituity.com · read 30 Sep 2026
- API sandbox
- Profituity provides sandbox access and credentials for testing API calls.help.profituity.com · read 30 Sep 2026
- API security
- Profituity instructs API clients to use HTTPS to protect credentials and tokens.help.profituity.com · read 30 Sep 2026
- Audit readiness
- Profituity says its documentation is generated continuously as part of normal operations for exam readiness.profituity.com · read 30 Sep 2026
- Certification
- Profituity describes itself as a Nacha Preferred Partner and SOC 2 Type II certified ACH processor.profituity.com · read 30 Sep 2026
- Cloud dashboards
- Profituity Cloud provides real-time dashboards showing an institution’s ACH program status.profituity.com · read 30 Sep 2026
- Integrations
- Profituity offers built-in ACH integration with RTO Pro using a site key issued after approval.profituity.com · read 30 Sep 2026
- Nacha updates
- Profituity Cloud updates with Nacha rule changes so policies, monitoring, and documentation stay current.profituity.com · read 30 Sep 2026
- Office
- Profituity lists its office at 5500 Brooktree Road, Suite 104, Wexford, PA 15090.profituity.com · read 30 Sep 2026
- Portal modules
- The Platform Portal includes Dashboard, Audit+, Compliance+, Configuration, CRM, Onboard+, Payments, Processing, Recovery, Risk, and Sales modules.help.profituity.com · read 30 Sep 2026
- Support
- Profituity says its team typically responds to inquiries within one business day.profituity.com · read 30 Sep 2026
- Target customers
- Profituity serves merchants, ISVs and merchant service providers, financial institutions, and third-party processors.profituity.com · read 30 Sep 2026
- What it does
- Profituity provides ACH payment processing, compliance, and audit-readiness services on one platform.profituity.com · read 30 Sep 2026
