ACH takes days to weeks to clear anyway, especially if new sender or large amounts = untrusted. There is no real exception handling so you are given the amount on credit.

https://engineering.gusto.com/how-ach-works-a-developer-pers...

(From parent) > And the payee doesn’t need to share their bank info.

And this is a US concept where having the magic numbers lets you pull any amount you want, with no ability to have a "push only" number...