[theptip]

This is a great example of the concept “ubiquitous language” from Domain Driven Design.

Use language that your domain experts understand. If your users know about NACHA files, using other terms would mean they need to keep a mapping in their head.

On the other hand, in Stripe’s case, their users are not domain experts and so it is valuable to craft an abstraction that is understandable yet hides unnecessary detail. If you have to teach your users a language, make it as simple as possible.

[Nevermark]

Or to put it another way, they are domain experts in the kinds of transactions they want to perform, not how transactions are implemented in the financial system.