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An ACH transaction differs from a credit card transaction in that the request is actually processed with the nightly batches, and there is no guarantee of funds being available.  With a credit card authorization that is not the case; funds are guaranteed when the payment is authorized.   Think of an ACH request and electronically cashing a customer’s check.  However, because you avoid the credit card payment infrastructure, your costs for an ACH payment are a tiny fraction of what the same credit card transaction would be.