topcreditcardprocessors video evaluation
Our Selection Process For
Best ACH Processing Companies

Last updated: November 1, 2017

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Best

Top 30 ACH Processors

Best ACH Processing Companies - November 2017

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Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders

1

National Processing

Lindon, UT

Wayne Hamilton
800-720-3323
More info

Visit Website

2007

$5 million - $10 million

50+

5,000+

98%

L

Volcom, True Value, Big O Tires, Malouf Sleep

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

VeriCheck

Atlanta, Georgia

Tracey Cunningham
404-872-4585
More info

Visit Website

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

 

3

Apollo Advance, LLC

USA Division

Christopher Williams
(415) 425-2100
More info

Visit Website

Unknown

L

 

99

 

100

 

99

 

100

 

98

99.2%
Increased +11

+11

 
Strong Performers

4

Credit Card Processing Specialists

Grandville, Michigan

Mike Konig
877-554-5853
More info

Visit Website

2010

$250,000 - $1 million

30

1,000+

98%

M

Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware

 

98

 

99

 

100

 

98

 

99

98.8%

NC

 

5

BankCard USA

Agoura Hills, California

Shawn Skelton
800-735-4171
More info

Visit Website

1998

$1 million - $3 million

332

20,000+

96%

L

Coastal Dermatology, Supertone Hearing, Lunaria Music

 

99

 

97

 

99

 

98

 

100

98.6%

NC

 

6

Advanced Merchant Group

Feasterville, Pennsylvania

Mike Wiener
877-997-9473
More info

Visit Website

2001

$1 million - $3 million

64

300+

97%

L

Available upon request.

 

96

 

97

 

100

 

98

 

100

98.2%
Increased +4

+4

 
Contenders

7

Axway

Vienna, Virginia

Jean-Marc Lazzari
703-556-8400
More info

Visit Website

1983

$3 million - $5 million

54

100+

92%

L

Groupama, Groupe AREVA, Air France, Coca Cola, JPMorgan Chase & Co.

 

96

 

99

 

98

 

99

 

97

97.8%
Increased +9

+9

 

8

Electronic Merchant Systems

Cleveland, Ohio

Dan Neistadt
866-845-6026
More info

Visit Website

1987

$3 million - $5 million

58

500+

94%

L

Available upon request.

 

96

 

98

 

97

 

99

 

97

97.4%
Increased +18

+18

 

9

Acculynk

Atlanta, Georgia

Ashish Bahl
678-894-7010
More info

Visit Website

2008

$1 million - $3 million

343

1000+

90%

L

American Airlines, Intuit, Western Union, ShoppersChoice

 

96

 

98

 

96

 

100

 

96

97.2%
Increased +3

+3

 

10

Piracle

Salt Lake, Utah

John Bechard
801-322-5222
More info

Visit Website

1991

$3 million - $5 million

27

53

89%

L

KC Companies, Woodbine Development Corp., Caiman Energy, R&O Construction, SLC Kustoms

 

96

 

98

 

97

 

99

 

95

97%
Increased +18

+18

 

11

Client Solutions Group

Fredonia, New York

Donald Cotter
716-785-6006
More info

Visit Website

2008

$5 million - $10 million

150+

500+

99%

M

Confidential.

 

97

 

96

 

97

 

96

 

97

96.6%
Increased +4

+4

 

12

Leap Payments

Agoura Hills, California

Will Detterman
800-993-6300
More info

Visit Website

2007

$1 million - $3 million

35

2,500+

99%

L

Best Western Hotels, H&R Block, Buy Direct, Yellow Cab, PetSmart

 

95

 

97

 

95

 

98

 

97

96.4%
Increased +15

+15

 

13

EPX

Wilmington, Delaware

Rick Dressel
302-288-0600
More info

Visit Website

1979

$1 million - $3 million

27

34+

95%

M

Available upon request.

 

96

 

95

 

97

 

96

 

95

95.8%
Decreased -4

-4

 

14

iTransact

Farmington, Utah

Stephen Hall
801-298-1212
More info

Visit Website

1994

$3 million - $5 million

37

100+

98%

L

Zions Bank, Productivity Solutions, Inc., Determination Outdoors, Godfather’s Pizza

 

95

 

94

 

95

 

95

 

97

95.2%
Decreased -11

-11

 

15

Crown Merchants

Claremont, North Carolina

Julie Taylor
888-709-1695
More info

Visit Website

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.

 

94

 

95

 

96

 

95

 

94

94.8%
Decreased -4

-4

 

16

BluePay Processing

Naperville, Illinois

Brad Bialas
630-300-2391
More info

Visit Website

2002

Under $250,000

36

54

88%

L

DICE Corporation, Arizona Dental Association, Magento Enterprise, Clip, Monchilla

 

96

 

95

 

96

 

92

 

93

94.4%
Increased +5

+5

 

17

UMACHA

Brooklyn Park, Minnesota

Fred Laing II
763-549-7000
More info

Visit Website

1960

$3 million - $5 million

58

126

94%

L

Bluestem Group, Capital Card Services, Inc., Central Billing, Inc., CliftonLarsonAllen, LLP

 

94

 

94

 

94

 

94

 

92

93.6%
Increased +13

+13

 

18

ACHQ

Miami, Florida

Chad Willard
877-743-1551
More info

Visit Website

2000

$1 million - $3 million

25

68

91%

M

Florida Country Club, California Public Utility District

 

92

 

93

 

94

 

93

 

92

92.8%
Increased +2

+2

 

19

Pay Zang

Holladay, Utah

Dharmendra Kumar
800-838-8651
More info

Visit Website

2012

$250,000 - $1 million

12

32

95%

M

Available upon request.

 

91

 

92

 

93

 

92

 

92

92%
Decreased -1

-1

 

20

ACH Direct

Allen, Texas

Jeff Thorness
866-290-5400
More info

Visit Website

1998

$3 million - $5 million

14

54

88%

L

La Fitness, Virgin, Jackon Hewitt, Progessive, NEC

 

90

 

91

 

91

 

92

 

90

90.8%
Increased +4

+4

 

21

Electronic Verification Systems

Louisville, Kentucky

Eric Knapp
866-491-5665
More info

Visit Website

2009

$250,000 - $1 million

14

32+

86%

L

Available upon request.

 

91

 

88

 

91

 

89

 

91

90%
Increased +2

+2

 

22

EXS Credit Card Processing

Newport Beach, California

Eric D. Pruessing
877-865-7744
More info

Visit Website

2008

$1 million - $3 million

26

77

89%

L

Available upon request.

 

88

 

91

 

91

 

90

 

88

89.6%
Decreased -16

-16

 

23

Banc Card of America

Nashville, Tennessee

Mark Barrett
615-352-6956
More info

Visit Website

1997

$1 million - $3 million

25

59

91%

M

Confidential.

 

87

 

87

 

88

 

89

 

89

88%
Decreased -10

-10

 

24

OnlineCheck.com

Denver, Colorado

Nicholas Madamas
800-427-1450
More info

Visit Website

1999

$5 million - $10 million

29

100+

91%

M

Barista Coffee, The Beach of AZ, Minor Family Auto, Plume, Zinnia

 

88

 

87

 

85

 

87

 

89

87.2%
Decreased -5

-5

 

25

GDpay

Phoenix, Arizona

Craig Yox
888-600-2602
More info

Visit Website

2006

$250,000 - $1 million

17

77

86%

L

Confidential.

 

85

 

88

 

87

 

85

 

87

86.4%
Decreased -3

-3

 

26

Prolific Business Solutions

Scottsdale, Arizona

Brian Cooper
877-777-7149
More info

Visit Website

2005

$250,000 - $1 million

58

300+

93%

H

ELFA, Precision Payroll, WD

 

87

 

84

 

87

 

85

 

87

86%
Decreased -19

-19

 

27

ACH Payments

Saratoga Springs, New York

Wayne Akey
888-729-4968
More info

Visit Website

2002

Above $10 million

26

100+

95%

L

Confidential.

 

83

 

84

 

87

 

87

 

87

85.6%
Decreased -19

-19

 

28

MersaTech

Centennial, Colorado

Joseph Marrero
303-268-5505
More info

Visit Website

2003

$3 million - $5 million

27

10,000 plus

98%

L

Confidential.

 

84

 

83

 

87

 

87

 

85

85.2%
Decreased -11

-11

 

29

Xenex Merchant Services

Cedarhurst, New York

Winston Sylvester
888-918-4409
More info

Visit Website

2006

$1 million - $3 million

17

100+

92%

M

Merchants Capital Access , NMI , eProcessing Network , Authorize.Net

 

84

 

86

 

86

 

83

 

84

84.6%
Decreased -4

-4

 

30

Adeptra Limited

San Rafael, CA

Vytas Kisielius
+1 (415) 446-6000
More info

Visit Website

2002

$3 million - $5 million

145

318

90%

H

 

82

 

86

 

83

 

85

 

85

84.2%
Decreased -1

-1

 
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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