Top 10 Best Ach Payment Software of 2026

Dwolla is a premier ACH payment platform designed for businesses seeking robust, scalable electronic fund transfer solutions via NACHA-compliant ACH networks. It provides a modern API-first infrastructure for sending, receiving, and managing payments, including same-day ACH, RTP, and account verification services. Dwolla excels in compliance, risk management, and seamless integrations, making it ideal for fintechs, marketplaces, and enterprises embedding payments.

Modern Treasury is an API-first payments platform designed for developers to embed and manage ACH payments, wires, checks, and other methods seamlessly into their applications. It handles payment origination, compliance with NACHA standards, real-time tracking, and automated reconciliation through its powerful Ledger system. The platform excels in scalability for high-volume transactions and integrates deeply with banking partners and tools like Plaid.

Stripe is a versatile payment processing platform that supports ACH payments for direct bank-to-bank transfers in the US, enabling businesses to collect one-time or recurring payments via ACH debit and credit. It integrates seamlessly with websites, apps, and billing systems through a powerful API and user-friendly dashboard. While not exclusively ACH-focused, it provides reliable verification, fraud protection, and reporting tailored for high-volume online transactions.

Plaid is a leading financial infrastructure platform that provides APIs for developers to securely connect user bank accounts and facilitate ACH payments, account verification, and transaction data access. It supports instant account linking across thousands of US financial institutions, enabling embedded payment experiences in apps without handling sensitive credentials. Primarily geared toward fintech developers, Plaid's Transfer API allows for same-day ACH debits and credits with built-in compliance tools.

Bill.com is a cloud-based accounts payable (AP) and accounts receivable (AR) automation platform that excels in streamlining bill payments, invoicing, and approvals, with robust support for ACH transfers. It enables businesses to pay vendors via ACH directly from their bank accounts, schedule recurring payments, and receive ACH payments from customers seamlessly. The software integrates with popular accounting tools like QuickBooks and Xero, providing real-time syncing and detailed financial reporting for efficient cash flow management.

Melio is a B2B payments platform specializing in accounts payable (AP) automation, allowing businesses to send payments to vendors via ACH, printed checks, wires, or credit cards without sharing sensitive banking information. It integrates with accounting software like QuickBooks, Xero, and FreshBooks for seamless reconciliation and offers features like approval workflows, scheduling, and payment tracking. Primarily targeting small to medium-sized businesses, Melio simplifies vendor payments while providing transparency and cash flow management tools.

GoCardless is a payment platform specializing in bank-to-bank recurring payments, including ACH Direct Debit in the US, enabling businesses to collect subscriptions and invoices directly from customer accounts. It offers mandate creation, automated retries, and seamless integrations with accounting software like QuickBooks and Xero. The service prioritizes high success rates and compliance for automated collections, making it suitable for scaling payment operations.

Authorize.net is a veteran payment gateway solution from Visa that enables ACH payments via its eCheck processing, allowing businesses to accept electronic bank transfers securely for online, phone, or in-person transactions. It supports key ACH features like tokenization through Customer Information Manager (CIM), automated recurring billing (ARB), and basic fraud prevention tools. While versatile for mixed payment types, its ACH capabilities integrate well with e-commerce platforms and custom APIs, making it suitable for businesses needing more than just bank payments.

QuickBooks is a leading accounting software suite from Intuit that integrates ACH payment processing through QuickBooks Payments, enabling businesses to send invoices and receive electronic funds transfers via the ACH network. It supports features like batch payments, recurring billing, and automatic reconciliation with bookkeeping entries. While robust for small businesses managing finances holistically, it functions more as an add-on to accounting rather than a standalone ACH solution.

PayPal is a widely used online payment platform that supports ACH payments through bank account links, allowing businesses to accept direct transfers from customers' checking accounts as part of its broader payment ecosystem. It facilitates invoicing, mass payouts via ACH, and integration with e-commerce sites for seamless bank-to-bank transactions. While versatile for small businesses, it processes ACH as 'eChecks' with standard clearing times and combines it with cards, PayPal balance, and international options. Primarily a general payment gateway, its ACH capabilities are reliable but not specialized for high-volume B2B transfers.