Last updated: October 1, 2021

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Best
Top 30 ACH Processors

Best ACH Processing Companies - October 2021

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
2010
$250,000 - $1 million
30
1,000+
98
M
Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware
100
100
100
100
100
100%
NC
Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 616-275-5306
Key Facts For Credit Card Processing Sp...
  • Major Clients:
    Main Street Technologies, Advance Auto Par...
  • 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
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Seamless Chex Seamless Chex
Talk to a Representative: 888-998-2439
Key Facts For Seamless Chex
  • Major Clients:
    Available upon request.
  • Year Founded:
    2012
  • Fulltime Employees:
    25
  • Active Clients:
    2500+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    97
  • Pricing:
    M
  • Website:
    seamlesschex.com
Request A Quote
Negative Review 0 Reviews
Anonymous
Negative Review
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

PAYARC PAYARC
Talk to a Representative: (877) 203-6624
Key Facts For PAYARC
  • Major Clients:
    Confidential
  • Year Founded:
    2016
  • Fulltime Employees:
    43
  • Active Clients:
    10,000
  • Revenue:
    30m-50m
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.payarc.com
Request A Quote
Reviews (12)
Positive Review 12 Reviews
Best in Class Support + Transparent Competitive Pricing = Very Happy Merchants
When we started PayArc we saw a huge opportun...
Jared Ronski
Positive Review
Excellent processing solution.
The overall experience has been great. Have a...
David Broudie
Positive Review
Great team and top-tier technology!
Overall, great company values, excellent serv...
Nicol Krasni

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Strong Performers
4
1989
$1 million - $5 million
10 - 50
5000+
96
L
Fi-Soft offers, RDM, corparation, PaySimple, Capital One Merchant Services, Northern Payment Systems,Inc, Rdm, Fi-Soft Offers
98
99
98
99
100
98.8%
NC
VeriCheck, Inc. VeriCheck, Inc.
Talk to a Representative: 404-872-4585
Key Facts For VeriCheck, Inc.
  • Major Clients:
    Fi-Soft offers, RDM, corparation, PaySimpl...
  • Year Founded:
    1989
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    5000+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
  • Pricing:
    L
  • Website:
    www.vericheck.com
Request A Quote
Negative Review 1 Reviews
Anonymous

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 Processin...
  • Major Clients:
    Available upon request.
  • Year Founded:
    1997
  • Fulltime Employees:
    10
  • Active Clients:
    77
  • Revenue:
    $6 Million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.exscreditcardprocessing.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Client Solutions Group Client Solutions Group
Talk to a Representative: 866-836-2861
Key Facts For Client Solutions Group
  • Major Clients:
    Confidential.
  • Year Founded:
    2012
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    500+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    99
  • Pricing:
    M
  • Website:
    www.client-solutions-group.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACH Payments ACH Payments
Talk to a Representative: 888-729-4968
Service Offerings:
Key Facts For ACH Payments
  • Major Clients:
    Confidential.
  • Year Founded:
    2002
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    100+
  • Revenue:
    Est. $1 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

PayZang PayZang
Talk to a Representative: 800-838-8651
Key Facts For PayZang
  • Major Clients:
    Available upon request., Xero, Civicrm, Sh...
  • Year Founded:
    2012
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    32
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    95
  • Pricing:
    M
  • Website:
    payzang.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACH Direct, Inc. ACH Direct, Inc.
Talk to a Representative: 866-378-0001
Key Facts For ACH Direct, Inc.
  • Major Clients:
    La Fitness, Virgin, Jackon Hewitt, Progess...
  • Year Founded:
    1998
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    54
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    achdirect.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Leap Payments, Inc. Leap Payments, Inc.
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments, Inc.
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Direct...
  • Year Founded:
    2005
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.leappayments.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

11
1994
$1 million - $5 million
10 - 50
100+
98
L
Zions Bank, Productivity Solutions, Inc., Determination Outdoors, Godfather’s Pizza
96
99
97
95
97
96.8%
NC
iTransact, Inc. iTransact, Inc.
Talk to a Representative: 801-298-1212
Key Facts For iTransact, Inc.
  • Major Clients:
    Zions Bank, Productivity Solutions, Inc.,...
  • Year Founded:
    1994
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    98
  • Pricing:
    L
  • Website:
    www.itransact.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BankCard USA BankCard USA
Talk to a Representative: 1 800-589-8200
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, Lu...
  • Year Founded:
    1998
  • Fulltime Employees:
    44
  • Active Clients:
    20,000+
  • Revenue:
    30-50M
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
Request A Quote
Negative Review 0 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Online Check and ACH Processing Online Check and ACH Processing
Talk to a Representative: 800-427-1450
Key Facts For Online Check and ACH Proc...
  • Major Clients:
    Barista Coffee, The Beach of AZ, Minor Fam...
  • Year Founded:
    1997
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.onlinecheck.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

14
2002
Est. $1 million
1 - 10
64
92
L
Humphries Automotive Inc., White Wholesale Tire Co., Inc., Hickory Community Theatre, Greater Hickory Cooperative Christian Ministry, Katie Wood, Inc., Humphries Automotive Inc, White Wholesale Tire Co., Inc
95
95
96
96
97
95.8%
NC
Crown Merchants Crown Merchants
Talk to a Representative: 828-459-9991
Key Facts For Crown Merchants
  • Major Clients:
    Humphries Automotive Inc., White Wholesale...
  • Year Founded:
    2002
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    64
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    92
  • Pricing:
    L
  • Website:
    www.crownmerchants.com
Request A Quote
Negative Review 0 Reviews
Anonymous
Negative Review
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BlueSnap, Inc BlueSnap, Inc
Talk to a Representative: 1 (781) 790-5013
Key Facts For BlueSnap, Inc
  • Major Clients:
    Confidential
  • Year Founded:
    2001
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    1000+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    95
  • Pricing:
    Unknown
  • Website:
    home.bluesnap.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Apollo Advance, LLC
Talk to a Representative:
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

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

17
1983
$10 million - $50 million
100 - 250
100+
92
L
Groupama, Groupe AREVA, Air France, Coca Cola, JPMorgan Chase & Co.
93
94
96
96
95
94.8%
NC
Systar, Inc. Systar, Inc.
Talk to a Representative: 703-556-8400
Service Offerings:
Key Facts For Systar, Inc.
  • Major Clients:
    Groupama, Groupe AREVA, Air France, Coca C...
  • Year Founded:
    1983
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    92
  • Pricing:
    L
  • Website:
    www.systar.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

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 S...
  • Major Clients:
    Available upon request., Autotrek, 4Stop,...
  • Year Founded:
    1999
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    32+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    86
  • Pricing:
    L
  • Website:
    www.electronicverificationsystems.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Prolific Business Prolific Business
Talk to a Representative: 877-777-7149
Key Facts For Prolific Business
  • Major Clients:
    ELFA, Precision Payroll, WD
  • Year Founded:
    2005
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    300+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    93
  • Pricing:
    H
  • Website:
    www.myprolific.com
Request A Quote
Reviews (23)
Positive 69.6% 16 Reviews
James is a great guy, always looking for ways...
peter leonardo
Negative 26.1% 6 Reviews
Shady business practices, putting large trans...
Mike Carlborg
Neutral 4.3% 1 Reviews
I had been using their credit card processing...
Gerrod Walker

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:
    1 - 10
  • Active Clients:
    77
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    86
  • Pricing:
    L
  • Website:
    www.gdpay.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: 866-777-7409
Key Facts For MersaTech
  • Major Clients:
    Confidential.
  • Year Founded:
    2003
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    10,000 plus
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    98
  • Pricing:
    L
  • Website:
    www.mersatech.com
Request A Quote
Positive 66.7% 6 Reviews
Very detailed with the information. We recei...
DJ NINJAYT
Positive
The best company to work with for credit card...
Versa Business Tips
Negative 33.3% 3 Reviews
In my opinion Mersatech is the worst merchant...
Karma

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

22
1991
$4.4 Million
27
53
89
L
KC Companies, Woodbine Development Corp., Caiman Energy, R&O Construction, SLC Kustoms, Kc Companies
94
94
89
95
94
93.2%
NC
Piracle Piracle
Talk to a Representative:
Key Facts For Piracle
  • Major Clients:
    KC Companies, Woodbine Development Corp.,...
  • Year Founded:
    1991
  • Fulltime Employees:
    27
  • Active Clients:
    53
  • Revenue:
    $4.4 Million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.piracle.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

23
1974
Est. $1 million
1 - 10
126
94
L
Bluestem Group, Capital Card Services, Inc., Central Billing, Inc., CliftonLarsonAllen, LLP, Capital Card Services, Inc, Central Billing, Inc
94
92
94
92
92
92.8%
NC
umacha.org umacha.org
Talk to a Representative: 1 763-549-7000
Key Facts For umacha.org
  • Major Clients:
    Bluestem Group, Capital Card Services, Inc...
  • Year Founded:
    1974
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    126
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    94
  • Pricing:
    L
  • Website:
    www.umacha.org
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Xenex Payment Systems Xenex Payment Systems
Talk to a Representative: 888-918-4409
Key Facts For Xenex Payment Systems
  • Major Clients:
    Merchants Capital Access , NMI , eProcessi...
  • Year Founded:
    1993
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    92
  • Pricing:
    M
  • Website:
    xenexpayments.com
Request A Quote
Positive 66.7% 4 Reviews
I use xenex credit card processing for my kit...
Seth Adi
Positive
My favorite part about working with xenex is...
yotam dahan
Negative 33.3% 2 Reviews
Where to begin... let's start off with run as...
sal p

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Advanced Merchant Advanced Merchant
Talk to a Representative: 877-997-9473
Key Facts For Advanced Merchant
  • Major Clients:
    Available upon request.
  • Year Founded:
    2001
  • Fulltime Employees:
    250 - 500
  • Active Clients:
    300+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    97
  • Pricing:
    L
  • Website:
    www.advancedmerchantgroup.com
Request A Quote
Negative Review 1 Reviews
Anonymous

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 Syste...
  • 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 friendly AND helpful. Thnx!!
Ronny Owens
Negative 12.1% 7 Reviews
If you have any issues with the card reader o...
Amy Landolt
Neutral 1.7% 1 Reviews
I want to post an update that I appreciated b...
Angela Daczko

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:
    250 - 500
  • Active Clients:
    5,000+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.cross-check.com
Request A Quote
Positive 11.1% 1 Reviews
We have been with them for over three years....
Russ Knight
Negative 88.9% 8 Reviews
Had an interview here last week... to start o...
Alexis N. Sargent
Negative
CrossCheck has been providing me with check g...
Kelly reyno

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:
    100 - 250
  • Active Clients:
    59
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.banccard.com
Request A Quote
Positive 75.0% 3 Reviews
Works great!
Trustworthy and really really worth the effo...
Christopher Mykiway
Positive
Awesome
LorrieAnn Neace
Negative 25.0% 1 Reviews
Jennifer Peircen, was not interested in corre...
Jim Obringer

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Acculynk Acculynk
Talk to a Representative: 1 678-894-7010
Key Facts For Acculynk
  • Major Clients:
    American Airlines, Intuit, Western Union,...
  • Year Founded:
    2008
  • Fulltime Employees:
    343
  • Active Clients:
    1000+
  • Revenue:
    $6.0 Million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.acculynk.com
Request A Quote
Negative Review 1 Reviews
Anonymous

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
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

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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