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Re:How ACH works: A developer perspective – Part 2 by rurounijones on Tuesday May 13, 2014 @08:49PM (#7741575)
Zen Payroll did a good presentation at Railsconf this year that touched on this: http://www.confreaks.com/videos/3328-railsconf-too-big-to-fa...

Words I thought I would never hear but were in the presentation: "Fax based API"

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