Yeah, the US banking system is pretty pitiful in general. We (Balanced) are trying to make it a little bit better by making ACH faster and easier to integrate,

Yeah, the US banking system is pretty pitiful in general. We (Balanced) are trying to make it a little bit better by making ACH faster and easier to integrate, but we can't do much about reversals. [shameless plug] Example, checkout our ACH payouts feature: blog.balancedpayments.com/announcing-balanced-payouts/