Volume-based pricing.
Always cheaper than cards.
Plans start at $39/mo. Per-transaction pricing scales down with volume, bottoming out at $0.25 per transaction with no discount fee at the top tier.
Real rates are quoted during underwriting based on your business profile, volume, and risk. The plans below are starting points.
Settlement speed
Sample $10K transferFrom authorization to deposit
2–3 days faster
Cash hits your account at the start of the week, not the end.
Pick a plan
The plan covers the platform. Per-transaction pricing covers each ACH. Both drop as your volume grows.
Starter
For merchants getting started with ACH.
Starting at 0.5% + $0.50
per ACH transaction
- Up to 500 transactions / mo
- Online and mobile payments
- Recurring billing
- Standard 2-day settlement
- Email support
Growth
For scaling merchants. Most popular.
Starting at 0.35% + $0.40
per ACH transaction
- Up to 2,500 transactions / mo
- Bank account verification
- Webhooks and full API access
- Priority 1-day settlement
- Dashboard with reporting
- Phone + email support
Scale
For platforms, ISVs, and high-volume merchants.
Starting at $0.25 per txn
no discount fee at top tier
- Volume-based pricing
- Dedicated success manager
- Custom integrations and SLAs
- Same-day ACH available
- 24/7 priority support
What customers like you actually pay
Three real-world scenarios. Compare ACHQ against Stripe ACH and GoCardless at each provider's published rates.
B2B services
1,000 transactions/mo · $149 avg ticket
Wholesalers, professional services, recurring invoices
- ACHQ
- $922/mo
- Stripe ACH
- $1,192/mo
- GoCardless
- $1,690/mo
You save vs. closest competitor
$9,222/year
Property management
1,000 transactions/mo · $350 avg ticket
Rent collection, HOA dues, association fees
- ACHQ
- $1,000/mo
- Stripe ACH
- $2,800/mo
- GoCardless
- $3,700/mo
You save vs. closest competitor
$32,400/year
Lender / Loan servicing
750 transactions/mo · $850 avg ticket
Loan payments, BNPL, debt collection
- ACHQ
- $1,500/mo
- Stripe ACH
- $3,750/mo
- GoCardless
- $6,525/mo
You save vs. closest competitor
$60,300/year
Illustrative. ACHQ pricing is volume-tiered and finalized during underwriting. Stripe ACH at 0.8% capped at $5/txn. GoCardless ACH at 1% + $0.20. Real merchant quotes can include lower rates, custom terms, dedicated support, and zero-discount-fee pricing at the highest volume tier.
How ACHQ stacks up
Same transaction. Different bill. Public rates from each provider, compared against ACHQ's mid-tier pricing.
| Feature | ACHQBest | Stripe ACH | GoCardless | Dwolla |
|---|---|---|---|---|
| Per-transaction fee | Starting at $0.25 | 0.8% (cap $5) | 1% + $0.20 | 0.5% |
| Discount rate | Starting at 0% (top tier) | Built into 0.8% | Built into 1% | Built into 0.5% |
| $1,000 transaction (Growth tier) | $3.90 | $5.00 | $10.20 | $5.00 |
| $5,000 transaction (Growth tier) | $17.90 | $5.00 | $50.20 | $25.00 |
| Settlement window | 1-2 days | 3-5 days | 3 days | 3-4 days |
| Recurring billing | ||||
| Same-day ACH | ||||
| Phone support on day one |
Stripe ACH 0.8% capped at $5. GoCardless ACH 1% + $0.20. Dwolla 0.5% on Standard. ACHQ rates shown reflect Growth tier; actual rates set during underwriting.
Pricing questions
Why isn't there one flat rate?
ACH carries underwriting risk that varies by industry, return rate, and volume. Pricing reflects that. Higher volume merchants and lower-risk verticals get better rates because the unit economics work for both sides.
What's the absolute lowest you go?
$0.25 per transaction with no discount fee at the top tier. That tier is for merchants processing 10,000+ transactions per month with a clean return history.
Are there hidden fees?
No setup fee, no monthly minimum on Growth and above, no termination fee. Returns and disputes carry their published per-event fee, listed in your dashboard. Beyond that, what's quoted is what you pay.
Can I switch from Stripe or GoCardless?
Yes. Most merchants migrate in under a week. We re-tokenize bank accounts, port your recurring schedules, and keep your customer authorization records intact. Talk to sales for a migration plan.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACHQ merchant account. Most applications approved in one business day.