ACH for B2B is a significant chunk of that money, so is payroll. It&#x27;s also admittedly misleading because the card networks use ACH significantly to settle money from Bank A to Bank B (i.e. on &quot;the backend&quot;).<p>This is poignantly addressed by @PC&#x27;s comment addressing whether or not this would be available with Stripe Checkout.<p>ACH, for now, is generally terrible in retail situations. NO one wants to wait an additional 2-3 days (to all for funds to clear) to see their shipment be sent from Amazon. There are some niche use cases where it may work for pay-ins, for example online custom wood shops—where there&#x27;s a built in delay to build the product—or other services where physical products don&#x27;t need to change hands.