Best ACH Payment Processing Software in 2026
Updated
In short: PayJunction ACH Payment Processing is ranked #1 of 21 as of 4 October 2026, ahead of Plaid and Nickel. The best-ranked option with a free plan is Nickel. The lowest first paid tier on this page is ACH Payments at $0.35/mo.
ACH payment processing software handles payments through the Automated Clearing House network. Compare ACH credit support, transaction limits, and whether an option supports recurring or same-day ACH payments. Payment links may suit some collection workflows, while API access and webhook support are relevant integration details. The comparison also covers free-plan availability and paid-from pricing. PayJunction ACH Payment Processing leads the ranking, followed by Plaid and Nickel; GoACH, OpenACH, and ACH Processing Company are also among the first entries. Weigh these capabilities against the payment flows you need to support.
21 ACH payment processing software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 PayJunction ACH Payment Processing iPhone only RecognisedPhone appDocumentedFree plan 7.1$0.75/mo Recurring ACH payments: YesACH credit support: Yes
- 2 Plaid iPhone + Android RecognisedPhone appDocumentedFree plan 7.0
- 3 Nickel No phone app RecognisedPhone appDocumentedFree plan 6.2$35/mo Recurring ACH payments: YesACH credit support: YesSame-day ACH: Yes
- 4 ACH Processing Company No phone app RecognisedPhone appDocumentedFree plan 5.9 Recurring ACH payments: YesACH credit support: Yes
- 5 GoACH No phone app RecognisedPhone appDocumentedFree plan 5.7 Recurring ACH payments: YesACH credit support: YesSame-day ACH: Yes
- 6 ACHQ No phone app RecognisedPhone appDocumentedFree plan 5.6$39/mo Recurring ACH payments: YesACH credit support: YesSame-day ACH: Yes
- 7 Checkbook.io ACH API No phone app RecognisedPhone appDocumentedFree plan 5.6$2,000/mo Recurring ACH payments: YesACH credit support: YesSame-day ACH: Yes
- 8 Increase ACH No phone app RecognisedPhone appDocumentedFree plan 5.6 ACH credit support: YesSame-day ACH: Yes
- 9 Profituity No phone app RecognisedPhone appDocumentedFree plan 5.6$10/mo Recurring ACH payments: YesACH credit support: YesSame-day ACH: Yes
- 10 Stripe ACH Direct Debit No phone app RecognisedPhone appDocumentedFree plan 5.6 Recurring ACH payments: YesACH credit support: Yes
- 11 Paymentus No phone app RecognisedPhone appDocumentedFree plan 5.3 Recurring ACH payments: Yes
- 12 ACHPAY.AI No phone app RecognisedPhone appDocumentedFree plan 5.2 Recurring ACH payments: Yes
- 13 Authorize.net No phone app RecognisedPhone appDocumentedFree plan 5.2$25/mo Recurring ACH payments: Yes
- 14 First ACH API No phone app RecognisedPhone appDocumentedFree plan 5.2 Recurring ACH payments: YesACH credit support: Yes
- 15 OpenACH iPhone + Android RecognisedPhone appDocumentedFree plan 5.2Free Recurring ACH payments: YesACH credit support: Yes
- 16 ACH Payments No phone app RecognisedPhone appDocumentedFree plan 5.1$0.35/mo Recurring ACH payments: Yes
- 17 GoCardless Bank Account Data No phone app RecognisedPhone appDocumentedFree plan 5.1
- 18 Helix ACH No phone app RecognisedPhone appDocumentedFree plan 5.1 Recurring ACH payments: Yes
- 19 Rotessa No phone app RecognisedPhone appDocumentedFree plan 5.1 Recurring ACH payments: Yes
- 20 Stryd No phone app RecognisedPhone appDocumentedFree plan 5.1 Recurring ACH payments: YesACH credit support: No
- 21 Dwolla No phone app RecognisedPhone appDocumentedFree plan 4.8
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which ACH payment processing software is ranked first on Samsung Mobile US Press?
PayJunction ACH Payment Processing is ranked #1 of 21 with a score of 7.1. Plaid is second and Nickel third.
How many of these have a free plan?
2 of the 21 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, ACH Payments has the lowest first paid tier we found: $0.35/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.