Payment Gateway
Three ways to take payments. Pick yours.
A hosted page if you need it fast. Tokenized capture via Plaid if you want client-side security without building a widget. A full REST API if you want to build something custom.
▍Pick your integration depth.
All three options use the same backend. Same security, same settlement times, same support.
Hosted checkout
Easiest. Live in an hour.
A drop-in payment page hosted by ACHQ. Brand it, link to it, done. Reduces your PCI scope to nearly nothing.
- No code required
- Brandable styling
- Mobile-optimized
- Email receipt
Tokenized integration
Best balance. Live in a day.
Capture bank info with Plaid Link on the client, then pass the token to ACHQ. Merchant servers never see raw routing or account numbers. Reuse stored tokens for recurring charges.
- Plaid Link compatible
- Reusable ACHQTokens
- Recurring-charge friendly
- Stored secure on ACHQ
REST API
Most control. Live in days.
Full programmatic access. Build the exact flow your product needs.
- JSON over HTTPS
- Idempotency keys on writes
- SDKs for Node, Python, Ruby, PHP
- Comprehensive webhooks
Production-ready
Built for engineers who've been burned before.
Idempotency, signed webhooks, and a sandbox that actually behaves like production.
Idempotency built in
Every write accepts an idempotency key. Retry safely without double-charging.
Real-time webhooks
Signed payloads with HMAC. Automatic retries with exponential backoff. Replay events from the dashboard.
Sandbox that mirrors production
Identical API surface, full transaction simulation including return codes. Test every edge case before launch.
Try it. Sandbox is free.
Get sandbox API keys to start building. Apply for a production account when you're ready to go live.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACHQ merchant account. Most applications approved in one business day.