[AndyYSCISOdept]

I have a basic question, why doesn't an ACH company just charge a flat rate "service fee" for subscription in their program versus a a per use fee? I feel like this would allow a huge tool in competition? I am not the most well versed in the ACH fee parameters but it seems to me doing it as a subscription, even multi tiered would be better versus a per transaction fee. Any thoughts?

[Yankeeman07]

I have a basic question, why doesn't an ACH company just charge a flat rate "service fee" for subscription in their program versus a a per use fee? I feel like this would allow a huge tool in competition? I am not the most well versed in the ACH fee parameters but it seems to me doing it as a subscription, even multi tiered would be better versus a per transaction fee. Any thoughts?

MCA - withdrawals are considered "High Risk" as they are a merchant "pull" vs. a Customer "push" The term ACH is actually misplaced in the industry.

" 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."

[AndyYSCISOdept]

See now that makes sense. I was just a little confused about that because the answer seemed so simple based on the perceived knowledge that most of us have taken as truth in the industry, and I am as guilty as anyone even with 11 yearsof experience

MCA - withdrawals are considered "High Risk" as they are a merchant "pull" vs. a Customer "push" The term ACH is actually misplaced in the industry.

" 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."