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TL;DR An ACH API allows businesses to automate bank-to-bank payments—like ACH debits, credits, and recurring payments—by integrating directly with the ACHnetwork via software. What is an ACH API? You will need to repeat the process outlined above for each transaction.
eCheck payments are done through the ACHnetwork, and instead of physically tabling a check at the bank, you will provide the relevant checking account number, routing number, bank account type, transaction amount, and payment authorization (verbally or in writing) online via an eCheck authorization form.
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