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ACH Payment vs Wire Transfer: What’s the Difference and Which Payment Method Should You Use?

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Global ACH is available but only for bank-to-bank networks Wire transfers have no geographic limitations. ACH is also the technology behind most peer-to-peer money transfer services in the US, including Paypal, Zelle, Cash App, and Venmo. Some people refer to ACH payments as direct debit, direct deposit, or auto-transfer.