I think it's more that you want it to be part of an automated system. Ideally, it should be set up to autobill every month and reconcile those transactions auto

I think it's more that you want it to be part of an automated system. Ideally, it should be set up to autobill every month and reconcile those transactions automatically (like what you can do with credit cards). The vast majority of customers do have access to some sort of ACH payment system, but it's not automated. You still have to pester them to pay each month.