Our Selection Process For
Best ACH Processing Companies

Last updated: November 1, 2018

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Best

Top 30 ACH Processors

Best ACH Processing Companies - November 2018

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Competitive Rates

Reliability

Reliability

Efficiency

Efficiency

Variance

Variance

Customer Support

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders
1
2004
$250,000 - $1 million
30
64
92%
L
Humphries Automotive Inc., White Wholesale Tire Co., Inc., Hickory Community Theatre, Greater Hickory Cooperative Christian Ministry, Katie Wood, Inc.
100
100
100
100
100
100%
+1
Crown Merchants Crown Merchants
Talk to a Representative: 888-709-1695
Key Facts For Crown Merchants
  • Major Clients:
    Humphries Automotive Inc., White Wholesa..
  • Year Founded:
    2004
  • Fulltime Employees:
    30
  • Active Clients:
    64
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    92%
  • Pricing:
    L
  • Website:
    www.crownmerchants.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

2
1992
$3 million - $5 million
10+
5000+
L
Fi-Soft offers, RDM, corparation, PaySimple, Capital One Merchant Services, Northern Payment Systems,Inc
100
99
100
100
99
99.6%
NC
VeriCheck VeriCheck
Talk to a Representative: 404-872-4585
Key Facts For VeriCheck
  • Major Clients:
    Fi-Soft offers, RDM, corparation, PaySim..
  • Year Founded:
    1992
  • Fulltime Employees:
    10+
  • Active Clients:
    5000+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
  • Pricing:
    L
  • Website:
    www.vericheck.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Client Solutions Group Client Solutions Group
Talk to a Representative: 716-785-6006
Key Facts For Client Solutions Group
  • Major Clients:
    Confidential.
  • Year Founded:
    2008
  • Fulltime Employees:
    150+
  • Active Clients:
    500+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    99%
  • Pricing:
    M
  • Website:
    client-solutions-group.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Strong Performers
Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 877-554-5853
Key Facts For Credit Card Processing Specialists
  • Major Clients:
    Main Street Technologies, Advance Auto P..
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98%
  • Pricing:
    M
  • Website:
    creditcardprocessingspecialists.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BankCard USA BankCard USA
Talk to a Representative: 800-735-4171
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, ..
  • Year Founded:
    1998
  • Fulltime Employees:
    332
  • Active Clients:
    20,000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    96%
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
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Reviews (1)
Positive Review 1 Reviews
GREAT COMPANY
I have been looking for a medium to share an idea i have for your company. With this idea of mine your company would generate enough revenue and a massive number of sales. i hope your company and the board would be interested in this…
shola kelly tolufashe

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

MersaTech MersaTech
Talk to a Representative: 303-268-5505
Key Facts For MersaTech
  • Major Clients:
    Confidential.
  • Year Founded:
    2003
  • Fulltime Employees:
    27
  • Active Clients:
    10,000 plus
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    www.mersatech.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Acculynk Acculynk
Talk to a Representative: 678-894-7010
Key Facts For Acculynk
  • Major Clients:
    American Airlines, Intuit, Western Union..
  • Year Founded:
    2008
  • Fulltime Employees:
    343
  • Active Clients:
    1000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.acculynk.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Electronic Merchant Systems Electronic Merchant Systems
Talk to a Representative: 866-845-6026
Key Facts For Electronic Merchant Systems
  • Major Clients:
    Available upon request.
  • Year Founded:
    1987
  • Fulltime Employees:
    58
  • Active Clients:
    500+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    94%
  • Pricing:
    L
  • Website:
    emsagent.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Pay Zang Pay Zang
Talk to a Representative: 800-838-8651
Key Facts For Pay Zang
  • Major Clients:
    Available upon request.
  • Year Founded:
    2012
  • Fulltime Employees:
    12
  • Active Clients:
    32
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    95%
  • Pricing:
    M
  • Website:
    payzang.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Axway Axway
Talk to a Representative: 703-556-8400
Key Facts For Axway
  • Major Clients:
    Groupama, Groupe AREVA, Air France, Coca..
  • Year Founded:
    1983
  • Fulltime Employees:
    54
  • Active Clients:
    100+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    92%
  • Pricing:
    L
  • Website:
    www.systar.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Banc Card of America Banc Card of America
Talk to a Representative: 615-352-6956
Key Facts For Banc Card of America
  • Major Clients:
    Confidential.
  • Year Founded:
    1997
  • Fulltime Employees:
    25
  • Active Clients:
    59
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.banccard.com
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

iTransact iTransact
Talk to a Representative: 801-298-1212
Key Facts For iTransact
  • Major Clients:
    Zions Bank, Productivity Solutions, Inc...
  • Year Founded:
    1994
  • Fulltime Employees:
    37
  • Active Clients:
    100+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    www.itransact.com
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Prolific Business Solutions Prolific Business Solutions
Talk to a Representative: 877-777-7149
Key Facts For Prolific Business Solutions
  • Major Clients:
    ELFA, Precision Payroll, WD
  • Year Founded:
    2005
  • Fulltime Employees:
    58
  • Active Clients:
    300+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    93%
  • Pricing:
    H
  • Website:
    www.myprolific.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

14
1960
$3 million - $5 million
58
126
94%
L
Bluestem Group, Capital Card Services, Inc., Central Billing, Inc., CliftonLarsonAllen, LLP
95
94
95
95
97
95.2%
+1
UMACHA UMACHA
Talk to a Representative: 763-549-7000
Key Facts For UMACHA
  • Major Clients:
    Bluestem Group, Capital Card Services, I..
  • Year Founded:
    1960
  • Fulltime Employees:
    58
  • Active Clients:
    126
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    94%
  • Pricing:
    L
  • Website:
    www.umacha.org
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACH Payments ACH Payments
Talk to a Representative: 888-729-4968
Key Facts For ACH Payments
  • Major Clients:
    Confidential.
  • Year Founded:
    2002
  • Fulltime Employees:
    26
  • Active Clients:
    100+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    95%
  • Pricing:
    L
  • Website:
    www.ach-payments.com
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Advanced Merchant Group Advanced Merchant Group
Talk to a Representative: 877-997-9473
Key Facts For Advanced Merchant Group
  • Major Clients:
    Available upon request.
  • Year Founded:
    2001
  • Fulltime Employees:
    64
  • Active Clients:
    300+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    97%
  • Pricing:
    L
  • Website:
    advancedmerchantgroup.com
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Reviews (0)
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Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Xenex Merchant Services Xenex Merchant Services
Talk to a Representative: 888-918-4409
Key Facts For Xenex Merchant Services
  • Major Clients:
    Merchants Capital Access , NMI , eProces..
  • Year Founded:
    2006
  • Fulltime Employees:
    17
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    92%
  • Pricing:
    M
  • Website:
    xenexpayments.com
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Reviews (0)
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Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Apollo Advance, LLC
Talk to a Representative: (415) 425-2100
Key Facts For Apollo Advance, LLC
  • Major Clients:
  • Year Founded:
  • Fulltime Employees:
  • Active Clients:
  • Revenue:
    Unknown
  • Client Retention Rate:
  • Pricing:
    L
  • Website:
    allstateadvance.com
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BluePay Processing BluePay Processing
Talk to a Representative: 630-300-2391
Key Facts For BluePay Processing
  • Major Clients:
    DICE Corporation, Arizona Dental Associa..
  • Year Founded:
    2002
  • Fulltime Employees:
    36
  • Active Clients:
    54
  • Revenue:
    Under $250,000
  • Client Retention Rate:
    88%
  • Pricing:
    L
  • Website:
    www.bluepay.com
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Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

EPX EPX
Talk to a Representative: 302-288-0600
Key Facts For EPX
  • Major Clients:
    Available upon request.
  • Year Founded:
    1979
  • Fulltime Employees:
    27
  • Active Clients:
    34+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    95%
  • Pricing:
    M
  • Website:
    epx.com
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Reviews (0)
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Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

CrossCheck, Inc. CrossCheck, Inc.
Talk to a Representative: 707-665-2100
Key Facts For CrossCheck, Inc.
  • Major Clients:
    ETA, NACHA, WesPay, ACA, CAC
  • Year Founded:
    1983
  • Fulltime Employees:
    136
  • Active Clients:
    5,000+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.cross-check.com
Request A Quote
Reviews (0)
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Negative 0% Write Review

 

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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Adeptra Limited Adeptra Limited
Talk to a Representative: +1 (415) 446-6000
Service Offerings:
Key Facts For Adeptra Limited
  • Major Clients:
  • Year Founded:
    2002
  • Fulltime Employees:
    145
  • Active Clients:
    318
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    90%
  • Pricing:
    H
  • Website:
    www.fico.com
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Reviews (0)
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Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

OnlineCheck.com OnlineCheck.com
Talk to a Representative: 800-427-1450
Key Facts For OnlineCheck.com
  • Major Clients:
    Barista Coffee, The Beach of AZ, Minor F..
  • Year Founded:
    1999
  • Fulltime Employees:
    29
  • Active Clients:
    100+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.onlinecheck.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Leap Payments Leap Payments
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Dire..
  • Year Founded:
    2007
  • Fulltime Employees:
    35
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    99%
  • Pricing:
    L
  • Website:
    www.leappayments.com
Request A Quote
Reviews (0)
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Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

GDpay GDpay
Talk to a Representative: 888-600-2602
Key Facts For GDpay
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    17
  • Active Clients:
    77
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    86%
  • Pricing:
    L
  • Website:
    www.gdpay.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACH Direct ACH Direct
Talk to a Representative: 866-290-5400
Key Facts For ACH Direct
  • Major Clients:
    La Fitness, Virgin, Jackon Hewitt, Proge..
  • Year Founded:
    1998
  • Fulltime Employees:
    14
  • Active Clients:
    54
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    88%
  • Pricing:
    L
  • Website:
    achdirect.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACHQ ACHQ
Talk to a Representative: 877-743-1551
Key Facts For ACHQ
  • Major Clients:
    Florida Country Club, California Public ..
  • Year Founded:
    2000
  • Fulltime Employees:
    25
  • Active Clients:
    68
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.achq.com
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Reviews (1)
Neutral Review 1 Reviews
Tradeline Supply Company, LLC
Tradeline Supply Company, LLC Linkedin
Some of the worst customer service I have ever received from any company ever. Blatant lies, constant ignored communication, and total lack of competency. I can't even get them to respond to my closed account requests now and am having to revoke payments that they…
Tradeline Supply Company, LLC

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Electronic Verification Systems Electronic Verification Systems
Talk to a Representative: 866-491-5665
Key Facts For Electronic Verification Systems
  • Major Clients:
    Available upon request.
  • Year Founded:
    2009
  • Fulltime Employees:
    14
  • Active Clients:
    32+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    86%
  • Pricing:
    L
  • Website:
    electronicverificationsystems.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Piracle Piracle
Talk to a Representative: 801-322-5222
Key Facts For Piracle
  • Major Clients:
    KC Companies, Woodbine Development Corp...
  • Year Founded:
    1991
  • Fulltime Employees:
    27
  • Active Clients:
    53
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    www.piracle.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

Neutral 0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

EXS Credit Card Processing EXS Credit Card Processing
Talk to a Representative: 877-865-7744
Key Facts For EXS Credit Card Processing
  • Major Clients:
    Available upon request.
  • Year Founded:
    2008
  • Fulltime Employees:
    26
  • Active Clients:
    77
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    exscreditcardprocessing.com
Request A Quote
Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Evaluation Criteria: Best ACH Processing Companies
Competitive Rates
Competitive Rates

ACH processing solutions provide businesses with a safe and secure method of processing their clients payments. It is important for the service to be provided with rates that are competitive with others in the marketplace to ensure their merchants are benefiting from the service. Services which charge rates which are too high for the merchants will negatively impact their ability to grow and expand in the future.

Reliability
Reliability

Due to the very nature of the automated clearing house it is important for the payment processing solutions offered by the ACH processing company to be reliable in nature. Their ability to process the information of a payment accurately is as critical as their ability to ensure their solution is always available. Non-reliable ACH processing companies can potentially damage their merchants reputation with clients.

Efficiency
Efficiency

ACH processing services are renowned for their efficiency. As a result, the bar is set fairly high for ensuring that the payment processing solution is efficient in nature. Accepting an ACH payment from a client should be a quick and efficient process requiring a minimal amount of human intervention to both accept the payment from the client and to verify the information provided by the client for fraud detection purposes.

Variance
Variance

Not all merchants have the same needs and requirements. It is important for ACH processing companies to take into consideration how different businesses operate and how different businesses receive their payment information from their clients. It is important for each payment processor to offer merchants different ways of obtaining payment information and different ways of relaying it to the automated clearing house.

Customer Support
Customer Support

A customer support team should be made available to merchants which have questions and concerns about their payments. The service should be provided alongside helpful and extensive information about how the process works and when to expect the payment to clear to ensure minimal confusion with the service. We analyze how quickly, on average, the customer support team resolve their issues.

 
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