What is ACH?

Question

What is ACH?

Accepted Answer

The **Automated Clearing House (ACH)** is a secure, centralized electronic funds transfer network used predominantly in the United States for processing high-volume, low-value transactions such as direct deposit of payroll, consumer bill payments, and business-to-business (B2B) payments through a regulated, batch-processing system.

ACH

What is ACH?

What is the Automated Clearing House (ACH) network, and how does its batch-processing system work to facilitate electronic payments?

How significant is the ACH network to the U.S. economy, and what are the current trends in its transaction volume and value?

What are the primary use cases for ACH payments, and what security measures are in place to protect these high-volume transactions?

How do ACH payments compare to newer, faster payment methods like Real-Time Payments (RTP) and blockchain-based Stablecoins in terms of speed, cost, and cross-border utility?

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