[tibbon]

The standard ACH process however just seems slow. Maybe I've been playing with Crytocurrency too much, but it seems in the era of sub-millisecond stock trading... we should be able to figure out how to move $100 one account to another in 5 minutes or so...

[smackfu]

Yeah, it's pretty terrible in an e-commerce context. Get a payment, wait seven days to see if it actually gets settled. The only auth you can do up front is that the numbers look correct.