I work in a business that provides ACH services. This article over dramatizes the risk of fraud. First, for a business to even use ACH, they need a bank accoun

I work in a business that provides ACH services. This article over dramatizes the risk of fraud. First, for a business to even use ACH, they need a bank account to receive payments. This involves an underwriting process and a cash reserve for any returns. Second, businesses have daily limits they can process. This is usually well below their cash reserve. Finally, any hint of fraud will cause the bank to drop them like a hot potato and seize their reserves for a period of time to ensure sufficient funds to process any returns. One example of fraud indication is a high return rate