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ACH (Automated Clearing House) is an electronic system that provides cash transfers between banks and companies. It allows for quick, easy and secure transactions between different banks. A company’s credit card information is kept by ACH provider while the merchant’s credit card is handled by a payment processor.

ACH works by sending an electronic notification to the customer’s bank stating the amount of the payment and the reason the transaction was approved. The customer will have a certain amount of time to respond before the payment is debited from their account.