[Yankeeman07]

As such the Merchant is DOING when they sign the ACH Form.

You really are with this crap AGAIN?

Theres ACH Credits and ACH Debits - THATS IT.
Your Quote "ACH payments are electronic payments that are created when the customer gives an originating institution, corporation, or other customer (originator) authorization to debit directly from the customer's checking or saving account for the purpose of bill payment." Describes exactly what happens when an ACH Form is Signed. The customer is authorizing.

Your ignorance is showing again.

The instrument that actual debits the merchants account is either a Check 21 or Check 22.
Check 21 is riskier, plus there are several banks will not accept a Check 21 Instrument.