ACH that settles in 1-2 days, not 5.
ACHQ is the modern way for merchants and platforms to move money. Pay 70% less than card networks, integrate in days, and get support from people who actually answer.
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.
- $10B+
- Processed annually
- 10K+
- Merchants
- 99.99%
- Uptime
- 2 days
- Typical settlement
New here? Talk to sales or read the ACH glossary.
Powering payments for partners and platforms
LoanPro
Lending
NMI
Gateway
Liberty Power
Energy
Bargold Storage
Storage
Kaseya
Software
DCDial
Collections
Authorize.Net
Gateway
What we do
One platform for every way money moves.
Built for merchants who want lower processing costs and the partners who serve them.
Payments
ACH, recurring, and eCheck
Pull funds direct from a bank account. One-time payments, subscriptions, and check conversion all on one platform.
Verification
Bank account verification
Validate accounts in real time before you pull funds. Plaid instant verification or micro-deposit fallback. Cuts NSF returns by up to 70%.
Gateway
API, hosted page, and tokens
Pick your integration depth. Hosted page for fastest launch, tokenized capture via Plaid Link for client-side security, REST API for custom flows. Live in days.
Inside your ACHQ dashboard
Run payments like an engineering team would.
Every ACHQ customer gets the platform. Real-time visibility, signed webhooks, reconciliation, and the audit trail your compliance team needs. Included on every plan.
Live transaction monitoring
Every charge, refund, return, and payout in one feed. Filter by status, paykey, or merchant. Search across millions of records in milliseconds.
Signed webhooks for every event
Get notified the instant a payment status changes. HMAC-signed, idempotent, with replay history if your endpoint goes down.
Reporting and reconciliation
Daily settlement reports, return-rate trending, and exports your accounting team can drop into NetSuite or QuickBooks without cleanup.
Real-time alerts
Configurable alerts for return spikes, suspicious activity, and merchant onboarding events. Email, SMS, or webhook delivery.
Tokenized bank accounts
Every customer bank account stored as a reusable paykey. Charge once or set up recurring. PII never touches your systems.
Audit log for compliance
Immutable record of every action by every user. SOC-ready exports. Pre-formatted reports for sponsor bank and Nacha audits.
Why merchants choose ACHQ
Faster, cheaper, and someone actually picks up the phone.
70%
Cheaper than card networks
ACH at $0.50 per transaction vs 2.9% + $0.30 on cards. The savings compound at volume.
1-2 days
Settlement
Standard ACH settles in 1-2 business days. Same-day available for time-sensitive payouts.
25+ years
Of ACH expertise
We've been doing this since the early days. Real ODFI relationships, real risk monitoring.
100%
Human support
No phone tree maze, no chatbots. US-based humans who actually know payments.
Simple, predictable pricing.
Start free. Scale as you grow. No hidden fees, no surprise charges.
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
Earn recurring revenue selling ACH.
ACHQ pays the most competitive revenue share in the industry to ISOs, sales agents, payment consultants, and software resellers. We do the processing. You own the relationship.
Best-in-class revenue share
Tiered commission scaling with portfolio volume. Lifetime residuals on every account.
Co-branded sales support
Marketing assets, deal registration, and a dedicated channel manager who closes with you.
Simple onboarding
Apply in minutes. Most partners are activated within 5 business days.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACHQ merchant account. Most applications approved in one business day.