GoACH Homepage

Payments that move at the speed of intelligence

GoACH combines real-time ACH processing with AI-driven risk detection — built for businesses that can’t afford to wait.

Start processing
See the platform

Billions+
Processed to date

99.98%
Uptime SLA

<2s
Avg processing time

Platform
Everything your payments infrastructure needs
Instant ACH rails
Same-day and real-time ACH with smart routing to maximize settlement speed and minimize return risk.

AI risk engine
Machine learning models trained on MCA-specific patterns catch fraud before it clears — automatically.

Live monitoring
Real-time dashboards with anomaly alerts, return rate tracking, and Nacha compliance scoring.

Developer API
RESTful API with webhooks, sandbox environment, and SDKs. Integrate in days, not months.

Nacha compliance
Built-in Nacha rule enforcement, WEB debit authorization management, and audit-ready reporting.

Dedicated support
A real team that knows the MCA industry — not a ticketing system. Reach us any time.

API & Automation
Connect your AI agent to GoACH and automate everything

GoACH’s API is built for the agentic era. Connect your AI workflows directly to our payment rails — trigger ACH transactions, monitor returns, and respond to payment events without a human in the loop.

Whether you’re running an AI agent that manages MCA collections or automating recurring billing across thousands of accounts, GoACH gives your agent the infrastructure it needs to act.

Talk to our API team →

AI Agent
Autonomous payment orchestrator

▼
Initiate debit POST /v1/transactions
200 OK

▼
Monitor return GET /v1/returns
200 OK

▼
Webhook triggers retry logic
Fired

▼
Settlement confirmed
Pending

GoACH Payment Rails
Nacha-compliant · Same-day ACH

Live

Industries
Built for the verticals that move money differently

Merchant cash advance
High-volume daily debits with intelligent retry logic and return prediction.


Credit repair
Compliant ACH billing for subscription-based credit services.


Debt settlement
Reliable payment schedules with Nacha-compliant authorization management.


New businesses
Get up and running fast with simple onboarding and flexible ACH solutions.


Collections
Streamlined ACH for debt collection agencies with compliant authorization workflows.


Insurance premiums
Recurring ACH billing for high-risk insurance carriers and premium finance companies.

Have questions first?
New to high-risk ACH processing?

We answered the 15 most common questions — from return rates and reserves to SEC codes and switching processors.

Read the FAQ →

Ready to upgrade your payment infrastructure?

Get set up in days, not months. Fill out the form and our team will be in touch.

Contact Form