An ACH is basically an electronic check. Like a check it has to be routed through a Fed bank on its path to clearing, and it can also be stopped like a real ch

An ACH is basically an electronic check. Like a check it has to be routed through a Fed bank on its path to clearing, and it can also be stopped like a real check. A wire is more instant (usually less than 24 hours), more direct, and more expensive. A wire cannot be recalled by the sender without agreement by the recipient.