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by al2o3cr
1742 days ago
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From a purely-technical perspective, I don't believe account-to-account direct transfer is possible in an ACH file. The file format (see part 4 of that article) of the "PPD Entry Detail Record" specifies one end of the transaction, but the other end is always the entity transmitting the ACH. The other big challenge: what happens if the ACH gets reversed? There's a time lag between when the ODFI pays out to the originating entity, and when the ACH is irreversible. |
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