ACH payment providers

ACH (Automated Clearing House) is the US network for batch bank-to-bank payments, run under Nacha rules. Merchants use ACH debits to pull payments for subscriptions, invoices and rent, and ACH credits for payouts. It costs far less than card processing but is slower — standard ACH settles in one to two business days, Same Day ACH within the day — and consumer debits can be returned as unauthorised for up to 60 days.