Payments is an extremely hard problem. Try picking up a NACHA rulebook. Makes a great doorstop, it's the size of an old-school phone book. Don't know what NACH

Payments is an extremely hard problem. Try picking up a NACHA rulebook. Makes a great doorstop, it's the size of an old-school phone book. Don't know what NACHA is? Consider the possibility that you don't actually understand the problem space, then.