Colin, maybe there are ACH processors who fit into the mold you describe, but we are not one of them.
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Why allow bad checks to go though? Why would you let these fraudsters access to your members area for 4 days, knowing that 40% or more are straight up fraud? Through put? Waste your money on traffic, content, bandwidth, customer service?on consumers that have no intention of paying for anything, ever? Why?
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because all these things don't really cost a merchant anything significant. actually b/w is the only one and that is so cheap it's moot.
btw, 4 days and 40%??? Tell Gord to get with the winners, baby! We'll do your backend much better than ACH Direct.
