Last updated: October 1, 2019

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Best

Top 30 ACH Processors

Best ACH Processing Companies - October 2019

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

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:
    www.client-solutions-group.com
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Positive0% Write Review

 

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Neutral0% Write Review

 

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, PaySimple, Capital One Merchant Services, Northern Payment Systems,Inc
  • 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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Negative Review 1 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

3
1960
$3 million - $5 million
58
126
94
L
Bluestem Group, Capital Card Services, Inc., Central Billing, Inc., CliftonLarsonAllen, LLP
99
100
99
100
98
99.2%
NC
UMACHA UMACHA
Talk to a Representative: 763-549-7000
Key Facts For UMACHA
  • Major Clients:
    Bluestem Group, Capital Card Services, Inc., Central Billing, Inc., CliftonLarsonAllen, LLP
  • 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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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Strong Performers
Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 616-275-5306
Key Facts For Credit Card Processing Specialists
  • Major Clients:
    Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.creditcardprocessingspecialists.com
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Positive0% Write Review

 

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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, Lunaria Music
  • 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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Negative Review 0 Reviews
Anonymous

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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Positive0% Write Review

 

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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, Progessive, NEC
  • Year Founded:
    1998
  • Fulltime Employees:
    14
  • Active Clients:
    54
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    achdirect.com
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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 Cola, JPMorgan Chase & Co.
  • 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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Positive0% Write Review

 

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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 Utility District
  • 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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Negative Review 0 Reviews
Anonymous
Negative Review
Anonymous
Negative Review
Anonymous

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:
    www.electronicverificationsystems.com
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Positive0% Write Review

 

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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:
    www.advancedmerchantgroup.com
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Positive0% Write Review

 

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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., Caiman Energy, R&O Construction, SLC Kustoms
  • Year Founded:
    1991
  • Fulltime Employees:
    27
  • Active Clients:
    53
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.piracle.com
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Positive0% Write Review

 

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Neutral0% 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 , eProcessing Network , Authorize.Net
  • 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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Positive 66.7% 4 Reviews
I would like to start by saying the crew at t...
Ely Faigenblat
Positive
Great people, knowledgeable and great custom...
David Yaloz
Negative 33.3% 2 Reviews
The biggest scam i've ever seen, unprofession...
vini hitman

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 Family Auto, Plume, Zinnia
  • Year Founded:
    1999
  • Fulltime Employees:
    29
  • Active Clients:
    100+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.onlinecheck.com
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Positive0% Write Review

 

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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:
    Confidential
  • Year Founded:
  • Fulltime Employees:
  • Active Clients:
  • Revenue:
    Unknown
  • Client Retention Rate:
  • Pricing:
    L
  • Website:
    www.allstateadvance.com
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Positive0% Write Review

 

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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 (23)
Positive 69.6% 16 Reviews
Prolific Business Solutions is a great choice...
Zeke Kinzer
Negative 26.1% 6 Reviews
It was hard reading the reviews and wondering...
Jeffrey Spiegel
Neutral 4.3% 1 Reviews
I had been using their credit card processing...
Gerrod Walker

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 Direct, Yellow Cab, PetSmart
  • 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
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Positive0% Write Review

 

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Neutral0% 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
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Positive 11.1% 1 Reviews
We have been with them for over three years....
Russ Knight
Negative 88.9% 8 Reviews
These people are extremely rude. I guess it i...
Leslie Ni'Cole
Negative
Rip off. Stay away from this guys. First they...
My Music

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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Negative Review 1 Reviews
Anonymous
Negative Review
Anonymous
Negative Review
Anonymous

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
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Positive0% Write Review

 

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Neutral0% Write Review

 

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:
    Confidential
  • 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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Positive0% Write Review

 

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Neutral0% Write Review

 

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, ShoppersChoice
  • 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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Negative Review 1 Reviews
Anonymous

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., Determination Outdoors, Godfather’s Pizza
  • 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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Positive0% Write Review

 

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Neutral0% 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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Positive0% Write Review

 

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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

25
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.
85
88
87
85
87
86.4%
NC
Crown Merchants Crown Merchants
Talk to a Representative: 888-709-1695
Key Facts For Crown Merchants
  • Major Clients:
    Humphries Automotive Inc., White Wholesale Tire Co., Inc., Hickory Community Theatre, Greater Hickory Cooperative Christian Ministry, Katie Wood, Inc.
  • 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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Negative Review 0 Reviews
Anonymous
Negative Review
Anonymous

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
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

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
Request A Quote
Positive 66.7% 6 Reviews
The rate review that Mary Beth did for us res...
Mary Laine Howard
Positive
Our business has grown and we needed a 2nd te...
Clarence Hembrick
Negative 33.3% 3 Reviews
I was quoted a $5 monthly rate and 1.75% per...
Ronald Christensen

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:
    www.exscreditcardprocessing.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

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
Request A Quote
Reviews (58)
Positive 86.2% 50 Reviews
Always there for any situation and no matter...
Jason Mcclosky
Negative 12.1% 7 Reviews
Samsung Note 9 is not compatible! Mobile App...
LetItBeKnown AboutYourCustomerService
Neutral 1.7% 1 Reviews
I want to post an update that I appreciated b...
Angela Daczko

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 Association, Magento Enterprise, Clip, Monchilla
  • Year Founded:
    2002
  • Fulltime Employees:
    36
  • Active Clients:
    54
  • Revenue:
    Under $250,000
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    www.bluepay.com
Request A Quote
Negative Review 1 Reviews
Anonymous

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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