Originally Posted by SmokeyTheBear

that is more of a safety thing . an ach may happen instantly but you have a certain amount of time to dispute that charge , thus if its disputed after you have spent the money epassporte is out the money.

Many people are unaware of ach still and thus its ripe for fraud.. any granny will send you a check not knowing a scammer can just use the numbers from the bottom of the check to drain grannies account into fraudsters epassporte account and spend all the money. so this is to protect epassporte from being a haven for fraud and to give anyone ripped off a chance to dispute the charge without epassporte getting stuck for the bill.

it sucks they arent more transparent about these sorts of things but then again you dont wanna let criminals know how you catch them/prevent them.