Check processing
 

all evidence points to no. Is it worth it?

A lot of fraud in it. Prolly more than half come back NSF, bounced, etc. Luckily not a lot use that.

I use ACH processing on pharma and it's been real great. You know whether the transaction is good or not within about 2-3 days, and the chargeback process is tougher for the client, so you only get CBs from clients who really mean it (which is rare).

If you're in the physical products biz, it works great and can be cheaper than CCs. You'll never get the same kind of volume than from visa/mc though. I find the NSF/bounced percentage to be under 5% in our case, which is fine since we just cancel those orders before they ship.