Coastal Software

What Coastal Software does

Coastal Software & Consulting, Inc. is a privately held, independently owned software and payments company founded in 1999 and headquartered in Vancouver, Washington. The company builds NACHA-compliant ACH and EFT file generation tools, with a core product suite that includes Easy ACH File Creator (a standalone Windows application that converts Excel or CSV data into bank-ready ACH files), EZ-Direct Deposit (versions for QuickBooks Online, QuickBooks Desktop, and Sage 50/Peachtree), and EZ-DD File Merge (which consolidates multiple NACHA-formatted files into a single submission with routing validation and error correction). Its technology stack centers on NACHA file formatting logic, routing number validation, hash and batch total generation, and SuiteScript-based integrations inside NetSuite's Electronic Bank Payments bundle. The company is a certified NetSuite partner providing implementation, ACH payment setup, SuiteScript customization, and ongoing support retainers.

The business model is predominantly built on one-time perpetual software licenses priced at $199–$799 per workstation, with one product (EZ-Direct Deposit for QuickBooks Online) structured as a $295 base plus $25/month subscription. NetSuite consulting and implementation services, including retainer-based support, add a professional services revenue layer. The customer base is overwhelmingly horizontal SMB, with the company claiming 3,500+ active clients and 10,000+ businesses served historically, supported by a customer count of 100,000+ users for Easy ACH File Creator since launch in 2001. Distribution is direct via coastalsoftware.com download and license key delivery for SMB software, plus consultation-driven sales for NetSuite services.

Coastal has incrementally expanded its surface area from pure ACH file creation into merchant ACH and credit card processing (with PCI DSS Level 1 certification and interchange-plus pricing), NetSuite consulting, and cross-border file compatibility for Canadian financial institutions. It has remained independently owned with no disclosed funding, M&A, or institutional investor participation. Its stated differentiators are first-mover domain expertise in NACHA file creation, deep NetSuite integration, zero hidden fees, and human (non-bot) customer support. The firmographics-reported employee count of 1,001–5,000 contradicts the operational profile and is treated as unreliable.

Name

Coastal Software

Legal name

Coastal Software & Consulting, Inc.

Website

https://coastalsoftware.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Coastal Software develops NACHA-compliant ACH and EFT file generation software for small and mid-size businesses, with products for QuickBooks, Sage 50, and NetSuite, plus merchant payment processing services and NetSuite consulting.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Software Publishers (5132)

SIC

Services-Computer Processing & Data Preparation (7374), Services-Prepackaged Software (7372)

akta.pro primary industry

ACH File Format, Validation & Transformation (CCD/PPD/CTX/IAT) (FSAMAGAK)

Keywords

• ACH payment processing
• NACHA file generation
• Direct deposit software
• NetSuite payment integration
• Payroll ACH files

Headquarters

HQ city

Vancouver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licenses (One-time): One-time perpetual license fees for software products. Customers purchase a license for a specific number of workstations or data companies. Includes options for additional templates, bank accounts, and networked computers.
2. Software Subscriptions (Monthly): Monthly recurring license fees for certain products (e.g., EZ-Direct Deposit for QuickBooks Online: $295 + $25/month). Provides ongoing access to software updates and functionality.
3. NetSuite Consulting Services: Professional services for NetSuite implementation, ACH payment setup, workflow automation, and ongoing support. Includes retainer-based support options for businesses requiring regular assistance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Coastal Software develops Windows-based ACH and EFT file generation software that converts accounting data into NACHA-compliant payment files. Its products integrate directly with QuickBooks Online, QuickBooks Desktop, Sage 50, and NetSuite to produce direct deposit and vendor payment files without manual re-keying. The company also provides payment processing services (ACH and credit card) and certified NetSuite consulting and implementation services.

Product overview

Coastal Software offers a portfolio of ACH and payment processing solutions built as standalone tools and accounting software integrations. The core product line includes Easy ACH File Creator (standalone Windows software for creating NACHA files from spreadsheets), EZ-Direct Deposit (versions for QuickBooks Online, QuickBooks Desktop, and Sage 50), and EZ-DD File Merge (for consolidating multiple ACH files). These are complemented by merchant services for ACH and credit card processing. The company also provides certified NetSuite consulting and implementation services including SuiteScript automation and ERP integration. All payment solutions carry PCI DSS Level 1 certification.

Differentiator

Problem solved

Functional benefit

Products and services

• Easy ACH File Creator Standalone Windows software that converts Excel or CSV data into NACHA-formatted ACH/EFT files without requiring an accounting package or IT infrastructure. Supports CCD, PPD, TEL, and WEB SEC entry codes. Used by SMBs to create compliant ACH payment files directly from spreadsheets.
• EZ-Direct Deposit ACH/EFT file creation tool that generates NACHA-compliant direct deposit files from accounting software. Available in versions for QuickBooks Online, QuickBooks Desktop, and Sage 50. Used by accounting teams and payroll processors handling direct deposit and vendor payments.
• EZ-DD File Merge ACH file consolidation tool that merges multiple NACHA-formatted ACH files into a single bank-ready file with automatic routing number validation and error detection/correction. Used by businesses with multiple payroll batches to reduce processing fees.
• ACH Processing Services Payment processing service for creating and processing ACH files for payroll, vendor payments, and other transactions with full audit trail. PCI DSS Level 1 certified processing with interchange-plus pricing. Setup time under 1 day.
• Credit Card Processing

Quantifiable outcome

• Eliminates multiple processing fees by merging multiple ACH files into one
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

One partnership is on record.

• Oracle NetSuitecoreTechnology or IntegrationCertified NetSuite Partner. Coastal Software provides NetSuite implementation, ACH payment integration, SuiteScript automation, and ongoing support services. They are recognized experts in NetSuite Electronic Bank Payments bundle configuration and troubleshooting (EP_00004, EP_00020 errors).

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Versapay: Versapay provides ACH and card-based B2B payment workflows, including direct-deposit and vendor payment file creation. Its ACH origination capabilities overlap with Coastal Software's NACHA file generation use case for SMBs and accounting customers.
• CheckAlt: CheckAlt specializes in ACH and electronic payment processing, including NACHA-compliant file handling for lockbox, billing, and remittance workflows. It competes with Coastal Software's ACH Processing Services line for organizations needing compliant ACH file processing.
• ACHWorks: ACHWorks (Revation Systems) sells ACH origination, direct deposit, and NACHA file creation tools to banks, payroll providers, and SMBs. It is the closest direct peer to Coastal Software's Easy ACH File Creator and EZ-Direct Deposit lines.

Broad incumbents

• Bill.com: Bill.com is a broad incumbent in SMB bill pay, AP/AR automation, and ACH-based vendor payments. Its ACH and direct-deposit workflows overlap materially with Coastal Software's EZ-Direct Deposit and NetSuite consulting offerings.
• Plaid: Plaid is a broad incumbent in bank-data connectivity and ACH payment initiation, offering APIs for direct deposit, balance, and bank transfers. While not a direct Windows-software competitor, it serves the same underlying ACH and bank-payment workflows for fintechs and SMB platforms.
• AvidXchange: AvidXchange automates AP and vendor payments using ACH and card rails for mid-market and SMB customers. It competes in the same ACH-driven payment-automation space as Coastal Software, especially for accounting-driven customer bases.

Emerging players

• Modern Treasury: Modern Treasury offers a developer-first platform for ACH, wire, and real-time payment operations, including NACHA file creation. It represents the cloud-native, API-driven evolution of the workflow Coastal Software addresses with its Windows-based tooling.
• Finix: Finix provides payment infrastructure including ACH and card processing with developer-friendly APIs. It is an emerging player in the same broader payments ecosystem that Coastal Software's ACH Processing and Credit Card Processing services address.
• Dwolla: Dwolla provides an ACH payment API for platforms and SMBs, supporting direct deposit and bank-to-bank transfers. It targets the same ACH and direct-deposit use cases that Coastal Software serves, but via a fully cloud-based integration model.

Regional players

• Revolut Business: Revolut Business offers multi-currency accounts, ACH-equivalent local payments, and payroll/bill payment tools to SMBs. While primarily European-focused, it is thematically comparable to Coastal Software in providing ACH-style payment automation to SMBs outside the U.S. NACHA rail.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/coastal-software

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coastal Software