10 Best ACH Payment Processing Companies of #
ACH payment processing companies help move money electronically through the Automated Clearing House (ACH) network. They offer different services to meet various business needs.
Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services
2013
Payment processing solutions, Specialization in high-risk industries, Industries served include E-commerce, gaming, and adult entertainment, Support for businesses with high transaction volumes, Offers charge back protection and fraud prevention services
2013
Web Design
2016
Web Design
2016
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
1988
Payment processing, Specific high-risk industries: Adult entertainment, gaming, subscription services, tele marketing, and more.
1988
Payment Processing and Card Services
2021
Payment Processing and Card Services
2021
Payment Processing
2013
Payment Processing
2013
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
1997
Specializes in high-risk payment processing, Serves high-risk industries, Industries may include:, Adult entertainment, Gambling, Online dating, Travel, E-commerce, Subscription services
1997
Payment processing solutions
2011
Payment processing solutions
2011
Lending and Financing
2000
Lending and Financing
2000
Financial Services
1991
Financial Services
1991
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
1994
Payment processing, Examples of high-risk industries: E-commerce, adult entertainment, travel, gaming, and subscription services
1994
Restaurant Point of Sale, Serves High-risk industries: No
2002
Restaurant Point of Sale, Serves High-risk industries: No
2002
Financial services and banking technology, Serves High-risk industries: No
1976
Financial services and banking technology, Serves High-risk industries: No
1976
Payment processing and gateway services
1998
Payment processing and gateway services
1998
Payment processing solutions
2016
Payment processing solutions
2016
Payments and Merchant Services
2010
Payments and Merchant Services
2010
Payment processing solutions
1997
Payment processing solutions
1997
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
2007
Payment processing for businesses, Focus on: Ethical and socially responsible businesses, including cannabis, adult, and nonprofit sectors
2007
Payment processing and merchant services
2007
Payment processing and merchant services
2007
Payment processing services
2008
Payment processing services
2008
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
2004
Payment processing, Specific high-risk sectors include: E-commerce, adult entertainment, travel, and subscription services.
2004
Payment Depot stands out with its subscription-based pricing model, which eliminates percentage-based markups on transactions. This structure makes it particularly cost-effective for high-volume businesses, providing significant savings over traditional payment processors. Additionally, Payment Depot offers transparent fees, strong fraud prevention tools, and seamless integrations with e-commerce platforms and point-of-sale (POS) systems.
Web Design Enterprise stands out for its expertise in creating visually stunning and highly functional websites tailored to diverse industries. Their focus on combining user-centric design, responsive layouts, and modern content management systems ensures each project meets the specific needs of their clients.
Electronic Merchant Systems (EMS) stands out for its comprehensive suite of services, offering tailored solutions for businesses of all sizes. From point-of-sale (POS) systems to e-commerce gateways, EMS covers a wide range of payment needs while emphasizing customer support. Its customizable payment options and advanced reporting tools make it ideal for businesses that value flexibility and insights into their financial performance.
The Card Association stands out for its focus on security, compliance, and providing a wide range of services tailored to both merchants and financial institutions. As an ISO, it offers a robust payment processing solution, backed by risk management services, fraud prevention, and merchant training. Its commitment to innovation and providing real-time transaction data makes it an excellent choice for businesses looking to streamline operations while ensuring regulatory compliance.
360 Payment Solutions, Inc. is recognized for its flexibility and tailored payment processing services. Its ability to integrate seamlessly with various POS systems and backend software makes it an excellent choice for businesses seeking operational efficiency. Additionally, the company provides detailed reporting tools and multi-currency support, catering to diverse merchant needs.
High Risk Pay specializes in offering payment processing solutions for businesses in sectors deemed high-risk by traditional financial institutions. These include industries like online gaming, adult entertainment, and CBD products. What sets High Risk Pay apart is its ability to provide secure and compliant payment solutions, despite the challenges posed by industry regulations and the higher perceived risk. The company offers a suite of services such as chargeback management, fraud prevention, and multi-currency processing, all tailored to meet the specific needs of high-risk merchants. Their experience with navigating complex regulatory environments ensures that clients can maintain smooth and efficient financial operations even in the most scrutinized sectors.
Punchey excels at delivering affordable yet feature-rich payment processing and point-of-sale (POS) solutions tailored to small and medium-sized businesses. Their comprehensive suite of tools, including mobile payments, loyalty programs, and customer relationship management (CRM) integrations, simplifies day-to-day operations while enhancing the customer experience. Punchey’s focus on providing seamless integrations with e-commerce platforms and third-party applications, combined with its transparent pricing model, makes it a practical choice for businesses looking to streamline payment workflows and foster customer loyalty.
LVRG Funding stands out for its dedication to offering accessible and personalized financing options tailored to small and medium-sized businesses. With solutions like merchant cash advances, business lines of credit, and working capital loans, LVRG provides a lifeline for companies that may not meet traditional lending criteria. Their streamlined approval process and network of financial partners enable quick access to funds, making them a top choice for businesses navigating cash flow challenges or seeking to capitalize on growth opportunities.
MBNCARD, Inc. stands out for its dual expertise in secure identification and payment processing, offering a blend of high-quality smart card solutions and robust payment technologies. With a focus on compliance and advanced security measures, MBNCARD caters to industries with stringent security requirements, such as government and healthcare.
Quantum Merchant Services is known for its comprehensive range of payment solutions tailored to businesses of all sizes. With a strong focus on security and customer support, Quantum provides merchants with a seamless payment experience across various platforms, including POS systems, e-commerce, and mobile payments. The company’s ability to offer customizable payment solutions, coupled with its robust fraud prevention and recurring billing options, makes it a strong choice for businesses seeking a reliable and flexible partner in payment processing.
Restaurant Point of Sale (POS) is designed specifically for the food service industry, offering a comprehensive suite of tools to simplify restaurant operations. Its user-friendly interface supports order management, inventory tracking, employee scheduling, and customer engagement, helping restaurants streamline their workflows and improve efficiency. With features like table management, loyalty program integration, and delivery management solutions, Restaurant POS caters to the unique needs of both small establishments and multi-location chains.
Jack Henry & Associates, Inc. is a trusted provider of software solutions tailored to the financial services industry. With a focus on core banking systems, payment processing, and digital banking platforms, they deliver integrated solutions that help financial institutions streamline operations and improve customer experiences. Their strong emphasis on security, regulatory compliance, and flexible pricing makes them a top choice for banks, credit unions, and other financial entities seeking scalable and reliable payment processing solutions.
eWAY stands out as a trusted payment processor for online businesses. With a focus on secure, efficient transactions, eWAY provides seamless integration with e-commerce platforms and robust fraud detection tools, making it a solid choice for merchants seeking reliable and customizable payment processing solutions.
PAYARC stands out for its flexible, customizable payment processing solutions that cater to businesses of various sizes and industries. Whether you're in retail, e-commerce, or B2B services, PAYARC offers an easy-to-integrate platform designed to enhance operational efficiency. Its strong focus on fraud protection, recurring billing, and detailed reporting makes it an excellent choice for businesses looking to streamline payment processing while maintaining compliance with industry standards.
National Transaction Corporation offers a comprehensive suite of payment processing solutions tailored to businesses of all sizes. With a focus on flexibility, security, and scalability, they support a variety of payment methods, including credit card processing, mobile payments, and eCommerce solutions. Their robust security measures and fraud prevention tools make them a reliable choice for businesses seeking secure and efficient transaction processing.
Targeted Merchant Solution is a payment processing provider that focuses on delivering tailored solutions for businesses of all sizes. By offering customized strategies, they ensure that businesses can efficiently handle transactions, whether in-store, online, or via mobile. Their security and compliance measures, alongside flexible payment methods and integrations, make them an ideal choice for merchants who need scalable solutions to meet their unique business needs.
Bank Card Brokers offers a comprehensive suite of payment processing services with a focus on credit and debit card transactions. Their flexibility in providing tailored solutions for businesses of all sizes—from retail to e-commerce—makes them an ideal choice for merchants looking for secure and compliant payment processing. With integration options for POS systems, mobile payments, and e-commerce platforms, they address a wide array of business needs while offering scalability and fraud protection.
Dharma Merchant Services stands out by offering ethical and transparent payment processing solutions, particularly suited for small to medium-sized businesses and nonprofits. Known for its commitment to social responsibility, Dharma provides simple, fair pricing and integrates advanced tools such as recurring billing, mobile payments, and e-commerce support. Their emphasis on sustainability, combined with an easy-to-use platform, makes them an ideal choice for businesses that value both financial transparency and their ethical impact.
Beacon Payments, LLC excels at providing tailored payment processing solutions for small to medium-sized businesses. By acting as an intermediary between merchants and payment processors, they offer a variety of services including credit card processing, POS systems, and mobile payment solutions. Their focus on compliance, security, and dedicated customer support makes them an attractive choice for businesses seeking flexibility and reliability in managing payments.
Netcom PaySystem offers a robust suite of payment solutions for businesses that prioritize flexibility, security, and ease of integration across multiple channels. With an emphasis on innovative payment processing, including mobile payment solutions, e-commerce gateways, and ACH processing, Netcom helps businesses streamline transactions. Their commitment to security, including fraud prevention and PCI compliance, ensures businesses can trust their payment system while adapting to the evolving digital landscape.
ACH payment processing helps manage electronic payments better. The Automated Clearing House (ACH) network makes transactions easy, reducing manual work.
ACH payment processing is when money moves between banks through the ACH network and lets businesses get payments straight from customers' bank accounts. This way, they don't have to deal with paper checks anymore.
The ACH transaction process handles the moving money between banks. When you make an ACH payment, your bank sends your account info to the other bank. This usually takes one to five business days. It's a secure way to send money.
ACH processing is flexible, working for both one-time and regular payments. It's great for businesses because it's more efficient than checks. Retail and e-commerce love it because it's cheaper than credit cards.
Using ACH payment processing companies can greatly benefit your business. It offers a more efficient and cost-effective way to handle payments. Many businesses see the advantages of ACH processing in making their operations better, and ACH processing companies make this possible.
One of the main advantages of ACH payment processing is the significantly lower transaction fees compared to credit card payments. While credit card processors often charge higher fees due to the risk and infrastructure involved, ACH payments typically offer much lower rates. For businesses that handle a high volume of transactions, these lower fees can add up quickly, leading to considerable savings.
ACH processing typically involves fewer intermediaries, which reduces transaction costs even further, especially for businesses that need to make bulk payments or process regular invoices.
ACH payment providers process transactions faster than traditional paper checks. While it usually takes 1-2 business days for ACH transactions to settle, this is still faster than waiting for a check to clear, which can take several days.
ACH payment processing solutions are highly secure, reducing the risk of fraud that can occur with other payment methods like credit cards. ACH processors use encryption and other safety measures to protect sensitive financial data, ensuring that transactions are processed securely.
One of the most time-consuming tasks for businesses is managing paper checks. With ACH payment processing, the need for physical checks is eliminated, which means businesses can reduce the amount of paperwork they need to handle. This streamlining of the payment process reduces administrative burdens, allowing businesses to focus more on growth and less on paperwork. The automation of payment processing through ACH also reduces human error and the potential for delays, making financial operations more efficient.
ACH payment companies automate regular payments, such as recurring subscriptions or monthly billing cycles. This predictability makes it easier for businesses to forecast future income and expenses, reducing the chances of cash flow problems.
When businesses use ACH payments for recurring billing, they ensure that payments are made on time without the need for manual intervention, which also helps maintain a good relationship with customers. The more predictable and reliable cash flow is, the more stable the business becomes.
For customers, ACH processing services offers great convenience and enables automatic payments. Once they authorize a payment, they don't have to worry about manually making payments every month. This convenience means that bills are paid on time, reducing the likelihood of late fees or service interruptions.
ACH payment processing also eliminates the need for customers to write checks or provide payment information repeatedly, making the process smoother and faster. This increased convenience improves customer satisfaction and can boost retention.
Businesses dealing with large transaction volumes benefit from ACH payment processors, as they provide clear electronic records for easy reconciliation. However, ACH payments provide clear, electronic records that make this process easier. Enterprise ACH payments providers allow businesses to track and monitor transactions in real time, helping them stay organized and maintain accurate financial records. This transparency simplifies the process of balancing books and ensures that any discrepancies can be quickly identified and resolved.
In addition to domestic payments, ACH providers can also handle cross-border transactions, depending on the country and specific ACH network rules. This can be especially beneficial for businesses that have international clients or suppliers. While international bank transfers or credit card payments can come with high fees and exchange rate issues, ACH payment processing provide a more cost-effective solution for cross-border payments, helping businesses expand their global reach while controlling costs.
Chargebacks are a significant concern for businesses that accept credit card payments. When customers dispute a transaction, businesses may face chargebacks that can be costly and time-consuming to resolve. ACH payments are much less prone to chargebacks because they are processed through a bank-to-bank transfer system, which makes them more secure. Once an ACH payment gateway processes a transaction, it is harder for customers to reverse, making it more reliable for businesses that want to avoid the risk of chargebacks.
To start ACH payment processing for your business, follow a few steps. First, look for an ACH processor that fits your needs. Companies like GoCardless and Stripe make signing up easy.
After picking a provider, set up a merchant account. You'll need to provide your business info and bank details. Many ACH setups work with your accounting software, making things easier.
Before you start taking payments, know a few things:
ACH transactions cost just 1% per transaction, making it a cost-effective option. It's easy for customers to use, needing only their banking info. It also avoids issues with expired cards or changed account numbers. Services like Stax help businesses save money with ACH over credit cards.
Choosing a good ACH payment processing company helps you manage your transactions well. There are several things to think about when picking an ACH provider. Knowing these key points will help you choose the right one for your business.
Choose a processor with competitive fees for your transaction volume, especially if you handle high ACH payment volumes. Check for hidden fees like setup, monthly charges, or failed transaction fees to calculate the total cost accurately.
Ensure the ACH processor uses strong security measures like encryption, fraud detection, and PCI-DSS compliance to protect financial data and prevent breaches or fraud.
Select an ACH API provider that integrates with your accounting, ERP, or CRM systems to automate billing, invoicing, and reconciliation, saving time and reducing errors.
Consider the processor’s settlement times—standard ACH takes 1–2 days, but faster options like same-day ACH can improve cash flow for businesses with tight deadlines.
Opt for an ACH service provider with 24/7 support and multiple contact channels to quickly resolve payment issues and avoid operational downtime.
Review feedback from similar businesses using ACH payment solutions to ensure the provider delivers reliable, secure, and high-quality services.
Ensure the ACH processing company complies with NACHA rules and PCI-DSS to avoid legal risks and maintain secure payment operations.
Look for ACH processing services that have features like recurring billing, payment scheduling, mobile payments, and international ACH support to meet your business needs and adapt as you grow.
Choose a processor that can scale with your business, offering higher transaction limits, faster processing, and new features as needed.
A simple, intuitive platform with real-time updates and detailed reports makes managing payments more efficient and error-free.
Our editorial team evaluates ACH payment processing companies based on a thorough review of features, pricing, and usability. Data is gathered directly from company websites, product documentation, and user feedback. We also engage with company representatives and, where possible, test product demos for hands-on insights. This methodology ensures our ratings reflect the practical needs of businesses across industries.
We assess ACH payment processors across six categories, with scores determined by a weighted average.
Subscription fees, per-transaction costs, annual fees, and other expenses. Transparency and affordability are key factors.
Core functionalities like integration options, fraud prevention, reporting tools, and multi-currency support.
Compatibility with POS systems, e-commerce platforms, and third-party applications.
Setup simplicity, user interface design, and learning curve.
Availability, responsiveness, and problem resolution capabilities.
Flexibility, including month-to-month plans, trial periods, and cancellation terms.
We regularly update our data points to reflect changes in pricing, features, or policies. Our ratings serve as a guide, but we encourage businesses to compare multiple providers to find the best fit for their unique needs.
