While "part 1" of this series says "FTP" (implying plain-text/unencrypted data), "part 2" [0] and "part 3" [1] both say "SFTP". This is "more correct", in my ex

While "part 1" of this series says "FTP" (implying plain-text/unencrypted data), "part 2" [0] and "part 3" [1] both say "SFTP". This is "more correct", in my experience, as encryption is pretty much always used nowadays. [0]: http://engineering.gusto.com/how-ach-works-a-developer-perspective-part-2/ http://engineering.gusto.com/how-ach-works-a-developer-persp... [1]: http://engineering.gusto.com/how-ach-works-a-developer-perspective-part-3/ http://engineering.gusto.com/how-ach-works-a-developer-persp...