Not the OP. The 2-3% credit cards charge as fees are largely used to deal with fraud. There were 30 billion ACH transactions in 2021, and this number has been

Not the OP. The 2-3% credit cards charge as fees are largely used to deal with fraud. There were 30 billion ACH transactions in 2021, and this number has been growing by 8%+ YoY for a while now. $0.25 a transaction is solid revenue when you consider that it's almost pure profits because fraud isn't a big issue and the computational power to manage ~100 million transactions a day is pretty modest.