# ACHQ

> ACHQ is a third-party ACH processor for US merchants. Volume-based pricing that's always cheaper than card networks, settlement in 1-2 business days, and a partner program for ISOs and resellers.

ACHQ provides ACH and eCheck payment processing, bank account verification, and a payment gateway. Merchants apply via /apply and onboard in days, not weeks. Pricing scales down with volume and is always lower than credit card processing fees.

## Core pages

- [Home](https://achq.com/): Overview of what ACHQ does, who it's for, and primary CTAs (Apply now, Talk to sales).
- [Apply for an ACH merchant account](https://achq.com/apply): The 5-step application form for new merchants. Captures business info, owner info, volume estimates, settlement bank, and customer authorization patterns.
- [Pricing](https://achq.com/pricing): Volume-based pricing, three tiers (Starter, Growth, Scale). Starting at 0.5% + $0.50 per transaction, scaling to $0.25/txn flat with no discount fee at top tier. Always cheaper than cards.
- [Partners](https://achq.com/partners): ISO and reseller program. Tiered commission structure, lifetime residuals, marketing assets, and an application form for new partners.
- [Contact](https://achq.com/contact): Sales, support, and partnership inquiries — all routed through one form.
- [Get started](https://achq.com/get-started): Lead capture for prospects who aren't ready to apply yet.

## Solutions

- [ACH and eCheck payments](https://achq.com/solutions/payments): Core processing. Same Day ACH, recurring ACH, and eCheck21 conversion on one platform.
- [Bank account verification](https://achq.com/solutions/bank-verification): Verify routing and account numbers before debiting. Accepts Plaid tokens; non-Plaid customers are referred to Plaid directly via plaid.achq.com.
- [Payment gateway](https://achq.com/solutions/payment-gateway): Three integration paths — REST API, hosted page, and tokenized account acceptance.

## Developer + reference

- [Developers](https://achq.com/developers): API endpoints, webhooks, integration patterns. Full API docs live at developers.achq.com.
- [ACH return codes](https://achq.com/resources/ach-return-codes): Reference list of NACHA return codes (R01-R85).
- [Glossary](https://achq.com/resources/glossary): Plain-English definitions of ACH and payments terminology.

## Company

- [About](https://achq.com/company): Who ACHQ is.

## Key facts

- ACHQ is a third-party ACH processor (TPPP). It is NOT a bank.
- US-only at launch.
- Settlement: 1-2 business days for Same Day ACH.
- Pricing tiers start at $39/month, scale to $99/month with 0.5% + $0.50 per transaction at entry, dropping to $0.25 per transaction with no discount fee at the highest tier.
- Underwriting required for all merchants.
- Owner: Chad Willard, President.

## What ACHQ is not

- Not a credit card processor. ACHQ does not process card payments.
- Not Plaid. ACHQ accepts Plaid-issued tokens but is a Plaid partner, not a reseller.
- Not connected to Straddle. ACHQ and Straddle are separate companies.