--- title: "ACH Processing Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about ACH Processing Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/177243/ACH-Processing/" page_type: "product" language: "en" --- # ACH Processing Software Review 2026: Features, Integrations, Pros & Cons Last updated on July 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) ACH Processing ## What is ACH Processing? A complete suite of ACH services that enables businesses to seamlessly integrate payment functionality into their platforms. ## What is ACH Processing used for? [Payment Processing](https://www.capterra.com/payment-processing-software/) Top alternative Featured Overall rating Based on 10 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Starting price $20 Per User, Per Month Free trial not available Free version not included Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for ACH Processing?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://www.actumprocessing.com&name=ACH Processing) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### ACH Processing 4.5 (10) VS. [4.7 (3,645)](https://www.capterra.com/p/153752/Vagaro/reviews/) Starting Price $20 Per User, Per Month Starting Price $23.99 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (10) Ease Of Use 4.6 (26,521) Value For Money 4.4 (9) Value For Money 4.6 (20,367) Customer Service 4.6 (10) Customer Service 4.6 (20,623) ## ACH Processing alternatives [4.7 (484)](https://www.capterra.com/p/182990/GCPAY/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,543)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,299)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,360)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/177243/ACH-Processing/alternatives/) ## FAQs about ACH Processing Overview ### Which roles and teams benefit most from ACH Processing? ACH Processing is most used by finance and accounting teams, including accounts payable staff, senior accountants, and controllers, who manage vendor payments, payroll support, and cash flow tracking. Business managers, owners, partners, and executives benefit from faster payment operations, reduced manual processing, and clearer oversight of disbursements and financial controls. Answer based on 10 reviews Overview ### What company size and specific industries is ACH Processing built for? ACH Processing is designed for businesses of all sizes across all industries that need ACH payment processing. It supports organizations managing cash flow and data protection, including those that process payments through batch upload, single entry, or API integration. Features and Usability ### What are the key features of ACH Processing? ACH Processing offers ACH Payment Processing, Online Payments, Mobile Payments, and In-Person Payments for accepting transactions across channels. It also includes Recurring/Subscription Billing for scheduled payments, API access for system connections, Data Security for payment data protection, and Reporting/Analytics for tracking transaction activity. Getting Started and Support ### What training and onboarding options does ACH Processing offer? ACH Processing provides live online sessions and documentation to help teams get started. Live online sessions support guided setup and direct instruction, while documentation offers written reference material for self-paced learning and step-by-step review of product features and processes. Getting Started and Support ### What customer support options does ACH Processing offer? ACH Processing provides chat support for customer questions and account help. No reviewer feedback about support is available in the catalog data, so user experience details such as response speed, helpfulness, or common frustrations cannot be stated from the provided information. ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) ACH Processing supports **Data Security** and **Online Payments**, helping businesses protect payment information and accept transactions through digital channels. However, it does not include **Debit/Credit Card Processing**. Instead, it offers **Mobile Payments** (**49%**), giving teams another way to collect payments on the go and serve customers more flexibly, while helping businesses maintain secure transactions and improve payment convenience. Online Payments 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Accept and process online payment transactions Mobile Payments 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices ACH Payment Processing 5.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Recurring/Subscription Billing 5.0 (2) 50.00% of 2 reviewers that rated this feature as important or highly important Automated process of charging customers at regular intervals for repeated access or use of a product or service Reporting/Analytics 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data API Application programming interface that allows for integration with other systems/databases ACH Processing 8 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - API: Application programming interface that allows for integration with other systems/databases - Data Security: Protect sensitive data for digital privacy - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Payments: Clients can submit payments via mobile devices - Online Payments: Accept and process online payment transactions - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data --- Get Advice We can help you find the software with the features you need. Features 4.6 (10) 4.6 Based on 10 reviews ## Pricing Value for money 4.4 (9) Basic $20.00 Per User,Per Month Value for money 4.4 (9) 4.4 Based on 9 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.6 (10) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.6 (10) 4.6 Based on 10 reviews ## User reviews Overall rating 4.5 Based on 10 reviews Filter by rating 5(8) 4(1) 3(0) 2(0) 1(1) Mentioned topic Sorted by most recent RQ Rizwan Q. Manager Retail ### "Ultimate Payment Solution" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 January 26, 2023 Pros A very simple way to start processing payments without a credit/debit card. It is flexible and provides several options to integrate it with your website as well. Cons I wish there was a standard one day settlement period for funds. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DC Daisy C. controller Transportation/Trucking/Railroad ### "ACH Processing Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 20, 2022 Pros Easy setup. easy to train staff. very secured. Cons can't think of any as overall is very good product and user friend. does the job! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SD Susan D. Owner Business Supplies and Equipment ### "They set me up to fail" 1.0 Overall Rating 1.0 1.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 September 9, 2019 They were not responsive, not friendly and completely inhuman. Pros It is clunky and not intuitive, everything is manual. I liked nothing except that they said they would work with me. I used a broker and trusted them. Cons After only 4 months without a call or email, stopped depositing my funds. They kept billing customers, but stopped paying out. When I asked about it they terminated my account because they realized I am really small and a single chargeback sends me over NACHA guidelines. Then they decided to hold on to my deposits indefinitely AND keep my reserve. So they kept me in long enough to do my biggest billing month of they year and then kept ALL THE MONEY. They are holding well over 25% of the money billed since I opened the account. Reasons for choosing ACH Processing I was not introduced to alternative products. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JG Juan G. Director Financial Services ### "Great Company!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 28, 2019 It's an ideal way to set up payments for clients and their services are great! Pros I love their website and customer support. Very easy to navigate and great reports. Cons Everything was great about ACH processing through this company. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TM Trina M. Business Manager Health, Wellness and Fitness ### "Actum Processing" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 8, 2019 It gives an additional processing option that helps us with automatic membership renewals. Pros Excellent service. Timely processing and regular email updates. Cons I haven’t had any issues with Actum Processing. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SL Stas L. Owner Financial Services ### "Great Service!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 8, 2019 The ease of the process for myself and my clients has helped my business grow. The staff is exceptional and their response time is instant more importantly with the correct ansers. Pros Easy to use and works fast. The login has no delays Cons So far I like all aspects of it as it is self explanatory. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. WH Will H. CEO Financial Services ### "Actum is a great ACH provider" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 11, 2018 Pros Great support Knowledgeable staff for integtration Great rates Easy to use Cons It has a lot of features so it took a little bit to get use to. But after we did, it was very flexible to accommodate our unique needs Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. RG Robert G. PARTNER Financial Services ### "ACTUM SOFTWARE REVIEW" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 23, 2018 the amount of time and man power ach processing saves is invaluable Pros The software is very user friendly and the support team are always available to assist with any questions Cons nothing, i have used several processors before and Actum is the best by far Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Ryan L. Senior Accountant Retail ### "Customer" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 22, 2018 Overall very happy customer! Pros Excellent ACH Processing Service! Very reliable. Cons I have had no complaints when using their service. Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. Phillip S. Accounts Payable | Human Resources Financial Services ### "Actum - Mantis Funding" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 22, 2018 The customer service is by far the best I've ever experienced. Support team make my life easier on a daily basis, and I would highly recommend them to anyone looking for reliable ACH processing. Pros Very user friendly and responsive. Very flexible as well. Cons No complaints, they provide everything I need to complete my ACH transactions on a daily basis. Review source Vendor Referred: This reviewer was invited by the software vendor to submit an honest review. [View all Reviews](https://www.capterra.com/p/177243/ACH-Processing/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.