It’s no secret that ACH Payments are cheaper to process than credit card transactions. The reason for that can partly be found in the fact that the ACH network is not real-time like the credit card networks, thus don’t have the ability to “reserve” funds for a given transaction. ACH transactions that are originated are subject to NACHA rules which include a time-line for the receiving banks (RDFI) that application’s customers have their bank account with. Returned items can typically filter in anywhere from a day to 4 business days after the transaction was originated. These return notifications can come in one of many forms, i.e., account closed, NSF, etc. That’s not ideal for a website that is shipping a product of any significant value.