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by mindslight
2486 days ago
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ACH transfers aren't expensive or difficult, they're just relatively slow. The US banking system revolves around reversible transactions and pull transfers (check writing). If some business wants to buck the trend by taking in money via a pull and send it out via push, they're doubly on the hook for fraud. Which is why services like Zelle have a bunch of things in their terms to make you more responsible for fraudulent transactions - so they're in a better position of not having to roll back as many. For that same reason, I think it's a terrible idea to sign up for things like Zelle with any account that handles more than petty cash https://news.ycombinator.com/item?id=16899944 https://news.ycombinator.com/item?id=16033455 |
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