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Re:‘Catch Me If You Can’ Scam Artist Has a Warning for Today... by justboxing on Friday September 22, 2017 @08:40PM (#15317285)
> But how exactly does an ACH transfer work?

If you want this from a developer perspective, the subject is discussed in great detail in the following blog post series.

How ACH works: A developer perspective - Part 1 => http://engineering.gusto.com/how-ach-works-a-developer-persp...

How ACH works: A developer perspective - Part 2 => http://engineering.gusto.com/how-ach-works-a-developer-persp...

How ACH works: A developer perspective - Part 3 => http://engineering.gusto.com/how-ach-works-a-developer-persp...

How ACH works: A developer perspective - Part 4 => http://engineering.gusto.com/how-ach-works-a-developer-persp...

and

HN Meta Discussion : https://news.ycombinator.com/item?id=7636066

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