ACH orientation 


Integrated payments platform with ACH


Strongest advantages 


Strong embedded-payment and vertical-software integrations; card, ACH, checks, HSA/FSA in certain verticals; recurring/scheduled payments; invoice posting; tokenization; Level 3 data; flexible processor pricing models


Main limitations 


Best capabilities can depend on the specific vertical integration and connected software; merchant pricing is generally quote-based; may be more platform than needed for simple ACH collection


Best fit


Healthcare, education, nonprofits, field services, and ERP/accounting users that need ACH integrated into existing business software


Pricing


$50 Setup, $25/mo, .25 per ACH



Paya


Good: Paya is particularly strong when ACH must live inside an existing business workflow. Its platforms support ACH alongside cards and, in healthcare-oriented deployments, checks and HSA/FSA payments. Paya’s recurring-payment tools allow payments to be scheduled ahead of time and run on different frequencies. Its vertical integrations can provide invoice posting, scheduled/recurring billing, e-invoicing, stored payment credentials, and—within supported systems—automated payment posting.


Paya also promotes several processor-pricing structures, including flat-rate, interchange, pass-through, cost-plus, and tiered models. That can be helpful for a merchant with meaningful ACH/card volume that needs economics tailored to its mix.


Bad: The solution is not one identical product for every merchant. ACH features, payment flows, automatic posting, hardware, hosted payment pages, and integration depth may vary based on whether the merchant uses Paya Connect, a vertical integration, or a software partner. Obtain a written feature matrix for the specific software integration and merchant account.


Best fit: A healthcare provider, nonprofit, field-service company, or ERP/accounting-system user that needs ACH plus card payments embedded in existing software, with recurring billing and posting automation.



Best-choice rules

  • Choose ACH.com when ACH is mission-critical and you need file uploads, API automation, recurring entries, batch operations, return retrieval, and granular ACH controls.

  • Choose Paya when you need ACH embedded in an existing software workflow—especially healthcare, education, nonprofit, ERP, or field-service environments.

  • Choose Valor when you already have a Valor/ISO relationship and want ACH added to a unified virtual-terminal, recurring-billing, and device environment.

  • Choose Authorize.net when you already use it for card payments and simply need a familiar, straightforward ACH/eCheck option for online invoices or recurring payments.