Platform

Online ACH Processing Terminal

Process, manage, and monitor ACH transactions from any browser — no software to install, no technical setup required. GoACH gives you a full-featured ACH terminal built for high-risk businesses that need reliability and control.

100%

Browser-based, no install

Real-Time

Transaction status & reporting

Since 2010

Trusted high-risk processor

Web-Based

Access from any device

Batch & Single

Process one or thousands

High-Risk OK

Approved underwriting

Real Support

Dedicated account manager

What it is

A full ACH terminal, accessible from your browser

Most ACH processors require you to integrate an API, work through a third-party gateway, or rely on clunky desktop software. GoACH’s online terminal changes that. Log in from any browser, enter your transaction details, and process — it’s that straightforward.

Whether you’re running a single debit, uploading a batch file of hundreds of transactions, or monitoring returns in real time, everything is available from one clean, purpose-built interface. No plugins, no downloads, no IT department required.

Terminal features

Everything you need to run ACH payments

Single transaction entry

Key in routing and account numbers directly in the terminal. Debit or credit, one-time or recurring.

Batch file upload

Upload NACHA-formatted batch files to process hundreds or thousands of transactions in one submission.

Real-time transaction status

Track every transaction from submitted to settled. Returns and NOCs surface automatically so you stay ahead of issues.

Multi-user access

Add team members with role-based permissions. Keep processors, managers, and admins on separate access levels.

Return & NOC management

View and manage R-codes and Notifications of Change directly from the dashboard. Stay NACHA-compliant without manual file processing.

Reporting & exports

Download transaction reports by date range, status, or batch. Export to CSV for reconciliation or accounting integrations.

Who it’s for

Built for businesses that process ACH at volume

Merchant cash advance funders debiting repayments
Credit repair companies running monthly billing
Debt settlement firms collecting client program fees
Collections agencies processing consumer payments
Insurance premium finance companies billing installments
Any business needing a reliable, browser-based ACH terminal

Common questions

Frequently asked questions

Do I need to integrate an API to use the terminal?

No. The GoACH online terminal is fully browser-based. You log in, enter your transaction details or upload a batch file, and process. There is no API integration required to get started, though API access is available for businesses that want to automate submission.

What SEC codes does the terminal support?

The terminal supports the most common SEC codes for business use including PPD, CCD, WEB, and TEL. If your business requires a specific SEC code not listed, contact us and we’ll confirm compatibility before you apply.

Can I process both debits and credits through the terminal?

Yes. The terminal supports both ACH debits (pulling funds from a customer or merchant account) and ACH credits (pushing funds to an account). Your specific transaction types are confirmed during underwriting.

How long does it take to get access to the terminal?

Most accounts are approved and live within 3–5 business days of submitting a complete application. Once approved, you’ll receive login credentials and a brief onboarding walkthrough from your account manager.

Is the terminal available for high-risk businesses?

Yes — that’s our specialty. GoACH has been providing ACH processing exclusively to high-risk industries since 2010. MCA, credit repair, debt settlement, collections, and similar businesses are our core clients, not exceptions we reluctantly approve.

Ready to start processing?

Get access to the GoACH online terminal in as little as 3–5 business days. Fill out the form and a member of our team will be in touch with next steps.