The ACH network is very different from the credit card network in that once a credit card is authorized in real-time, the only potential result going forward is a charge-back.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

For instance, many banks do not use the same ABA for the ACH as is printed on a their consumer's checks.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.

Proper ACH processing requires knowledge of all the nuances and subtleties of every Bank, S&L and Credit Union in the US. There is no standard for how each bank facilitates ACH requests and many institutions do things differently.