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Re:How ACH works: A developer perspective (2014) by k26dr on Thursday August 24, 2017 @10:47PM (#15095758)
Makes you pine for Bitcoin
Re:How ACH works: A developer perspective (2014) by matt_wulfeck on Friday August 25, 2017 @12:17AM (#15096084)
Bitcoin takes just as long to settle and costs money per transaction. Also you can't reverse a fraudulent Bitcoin transaction.

Between the two ACH is clearly better.