Prompt
What payment processor should I use if I need cards, ACH, and subscriptions?
Latest observation
Oct 15, 2026
OpenAI APIWeb search: off
If you need cards + ACH + subscriptions, the best default choice for most businesses is usually Stripe.
Why Stripe
- Cards: strong global card processing
- ACH: supports ACH debit / bank payments in the U.S.
- Subscriptions: excellent recurring billing, proration, coupons, trials, failed-payment recovery, etc.
- Developer-friendly: clean APIs, good docs, lots of integrations
Good alternatives depending on your situation
- Braintree: solid if you want cards + ACH and already like PayPal’s ecosystem
- Authorize.net + a separate billing system: more traditional, but usually more work
- Adyen: great for larger/global businesses, but often overkill for smaller teams
- Dwolla: strong for ACH-heavy use cases, but not as good as a primary “cards + subscriptions” stack
Quick recommendation
- Most startups / SaaS / online services: Stripe
- ACH-first business with some cards: consider Dwolla + another card processor
- Enterprise / global scale: Adyen
- Want PayPal ecosystem: Braintree
If you want, I can also give you a side-by-side comparison of Stripe vs Braintree vs Adyen based on fees, ease of integration, and subscription features.