Right on. If you&#x27;re getting into the ACH debit business there&#x27;s also a set of rules established by NACHA (aka &#x27;NACHA compliance&#x27;) which regulates the transactions and controls them to the point where you have to obtain payees explicit approval to move the funds.<p>Which is why if you pay your credit card statement by phone for example, you&#x27;ll hear the service rep read the consent form for you to say &#x27;yes&#x27; once they are done before they can withdraw the funds.