Topic

Payment Clearing

103 questions
What makes an ACH account number unique in the United States? Jun 5, 2015 Domestic Payment Rails, National Switches and Clearing Systems How are very large sums held and moved within the United States? May 12, 2015 Domestic Payment Rails, National Switches and Clearing Systems What are the differences between ACH, SEPA, and RTGS payment systems? Mar 11, 2015 Domestic Payment Rails, National Switches and Clearing Systems How does ACH work in practice, how are payments processed, and how does ACH differ from RTGS and other local payment switches? Feb 11, 2015 Domestic Payment Rails, National Switches and Clearing Systems How are large-value bank transactions executed in practice? Feb 8, 2015 Domestic Payment Rails, National Switches and Clearing Systems What exactly is involved in Check 21 processing services? Feb 7, 2015 Domestic Payment Rails, National Switches and Clearing Systems What is the minimum ACH debit settlement time needed to reduce fraud risk? Feb 6, 2015 Domestic Payment Rails, National Switches and Clearing Systems What is a batch payment? Jan 11, 2015 Domestic Payment Rails, National Switches and Clearing Systems In simple terms, what is a clearinghouse? Jan 10, 2015 Domestic Payment Rails, National Switches and Clearing Systems What is your view on Dwolla as a payments platform? Nov 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems Do the British Virgin Islands use an ACH system? Nov 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Which companies provide ACH payment services? Nov 3, 2014 Domestic Payment Rails, National Switches and Clearing Systems Since ACH and card payments can be reversed or charged back, is there any electronic payment method in the U.S. that is truly irreversible? Oct 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems How does a company become an ACH processor that submits ACH transactions on behalf of merchants? Sep 11, 2014 Domestic Payment Rails, National Switches and Clearing Systems Is there a SaaS platform that handles ACH payments? Sep 7, 2014 Domestic Payment Rails, National Switches and Clearing Systems If an ACH network offers multiple settlement cycles per day, are participants required to submit files for each cycle? Sep 5, 2014 Domestic Payment Rails, National Switches and Clearing Systems Does transferring money between accounts at different banks normally involve paying a fee? Jul 11, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why are U.S. banks slow to adopt features long used abroad, such as chip-and-PIN cards, pay-at-table systems, and easy free transfers between customers? Jul 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems How are very large sums of money transferred between parties or institutions? Jun 1, 2014 Domestic Payment Rails, National Switches and Clearing Systems How does data actually move behind the scenes when transferring funds within the same bank or to another bank? May 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Where can I access the official NACHA (ACH) specifications? Apr 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Can companies place a memo-post on an account—via ACH or other means—before the actual funds arrive? Apr 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Can a non-bank institution move money from one person’s bank account to another person’s bank account? Apr 6, 2014 Domestic Payment Rails, National Switches and Clearing Systems Are routing numbers and ABA numbers identical for both domestic and international banking? Mar 10, 2014 Domestic Payment Rails, National Switches and Clearing Systems How can I incorporate EFT functionality into my website? Feb 9, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why don’t most countries offer real-time bank transfer processing? Jan 4, 2014 Domestic Payment Rails, National Switches and Clearing Systems Why aren’t real-time bank-transfer payments available within most countries? Jan 4, 2014 Domestic Payment Rails, National Switches and Clearing Systems If banks can verify routing instantly, why is a 7-day hold required for checks over $5k? Jan 2, 2014 Domestic Payment Rails, National Switches and Clearing Systems How could Dwolla persuade banks when debit card transactions are more profitable for them? Jan 2, 2014 Domestic Payment Rails, National Switches and Clearing Systems Is it possible to initiate an ACH pull from a PayPal balance the same way you can pull funds from a bank account? Dec 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems If online banking is widespread, why do checks still take a day to clear? Aug 10, 2013 Domestic Payment Rails, National Switches and Clearing Systems Economic Policy: Why might a country choose its own domestic card network instead of relying on Maestro/Mastercard or Visa? Jun 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems Why would a country build its own card payment provider instead of using Visa/Mastercard/Maestro? Jun 6, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which banks worldwide support Online Banking ePayments (OBeP)? May 9, 2013 Domestic Payment Rails, National Switches and Clearing Systems Which banks globally support Online Banking ePayments or direct account debit? May 9, 2013 Domestic Payment Rails, National Switches and Clearing Systems What is an efficient method for sending or receiving over $100,000 online in a single transfer? Mar 11, 2013 Domestic Payment Rails, National Switches and Clearing Systems How can commercial companies handle Check21 transactions on their own? Jan 3, 2013 Domestic Payment Rails, National Switches and Clearing Systems How can for-profit companies directly process Check21 transactions? Jan 3, 2013 Domestic Payment Rails, National Switches and Clearing Systems When PayPal verifies a bank account using ACH deposits and withdrawals, can they also view the account’s balance? Nov 3, 2012 Domestic Payment Rails, National Switches and Clearing Systems How much time does Wells Fargo require to move funds between two different accounts? Sep 12, 2012 Domestic Payment Rails, National Switches and Clearing Systems Why are bank transfers and credit card payments not processed during weekends? Sep 4, 2012 Domestic Payment Rails, National Switches and Clearing Systems Where can I locate the bank-by-mail addresses for major U.S. banks without having to call each institution? Aug 10, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is the central-bank-assigned Bank Code called in India, and where can I locate it? Aug 8, 2012 Domestic Payment Rails, National Switches and Clearing Systems What details must you provide to send an ACH money transfer? Jul 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is NetPayment, and how does it differ from ACH? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What is the typical settlement period for ACH transactions? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems How long do ACH transactions take to fully settle? Feb 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems Which banks or service providers offer low-cost ACH payments for small businesses? Jan 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What banks or services offer affordable ACH payment options for small businesses? Jan 9, 2012 Domestic Payment Rails, National Switches and Clearing Systems What are the standard procedures to reverse or dispute an ACH transaction? Jan 6, 2012 Domestic Payment Rails, National Switches and Clearing Systems