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GoACH

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GoACH is a NACHA-compliant ACH payment processor built for high-risk business verticals - merchant cash advance (MCA), credit repair, debt settlement, collections, insurance premiums, and other specialty industries where standard processors decline or impose heavy reserves. It combines same-day and real-time ACH rails with an AI-driven risk engine trained on MCA-specific transaction patterns to detect and suppress return risk before settlement. GoACH supports all major SEC codes (CCD, PPD, WEB, TEL) with built-in WEB debit authorization management, live return-rate monitoring, and audit-ready NACHA reporting. Its API-first architecture - REST endpoints, webhooks, sandbox, and SDKs - lets funders and AI agents automate debits, returns, and retries. Operated by Unity FI Solutions LLC, Charlotte, NC.

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