3 ms·

How about two-factor authentication as a baseline recommendation for online ACH? Even the infamously recently discussed SMS authentication.

• wiredfool 6y ago
  ACH is a ca 24 hour duration batch process that does not include authentication. 2fa isn’t even really a possibility with the ACH system.
• xtracto 6y ago
  That was kind of done in Mexico with the CoDi system. But yeah ACH is so old and crappy that nothing can fix it.