I haven&#x27;t seen it first hand, but lots of our current customers ditched them (and others) after working with their APIs or lack thereof (#xml).<p>In general, ACH just wasn&#x27;t built to accommodate &quot;platforms&quot; as an entity in the transaction cycle. Banks, while although cheap, have a problem reconciling their infrastructure and processes with today&#x27;s expectations. Not to mention their services don&#x27;t package or include other compliance required to leverage ACH legally (KYC, OFAC, reporting, reject handling, etc.).<p>Bottom-line: ACH and traditional providers are not suitable options for today&#x27;s platforms. Among others, banks are hemorrhaging ACH-related business to companies like Stripe and Dwolla.