The ACH payment system is built on top of the legacy paper check process, our cost to accept these payments is similar to paper checks and is why we are able to offer you a cash discount.
Similar to a paper check the funds are first drawn from your bank and your account is verified by our processor prior to us receiving funds.
This process takes 4 business days, it is not until the 5th business day that your payment is electronically credited to our account.