Written checks are not the most efficient for businesses to accept payment or consumers to purchase items these days. Checks are not as convenient for payroll and business supply purchases. ACH processing has taken the place of written checks. Businesses now use this transaction method to provide payroll to employees, pay bills, and accept customer payments. Customers pay with their routing and account numbers. Single or multiple payments may be created online or checks can be electronically filed at the time of purchase.
