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To choose the right payment method, consider transaction volume, transfer speed, cost, and security. For example, ACH transfers use the Automated Clearing House network, while debit card transactions rely on either a card network (Visa or Mastercard) or a payment processor (Paypal, Stripe, etc.).
ACH transfers, or payments made through the Automated Clearing House network, account for billions of dollars in payments annually. in payment volume growth in Q4 2021. NACHA also requires businesses to take responsibility for reversals in the event of errors or duplicate transactions. in Q4 2021.
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