&gt;<i>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.</i><p>AFAIK, to plug in to the ACH network, you have to work with a Bank that has access to FedACH&#x2F; Electronic Payments Network. I know Dwolla has its own Payments Network, FiSync, but the number of banks on this system is very small. So in many cases its not so much that banks are hemorrhaging business, but Stripe&#x2F;Dwolla are selling KYC, OFAC, reporting, reject handling, etc related services.