That's true but if you assess a hefty enough penalty then they pay you for
it anyway. I used to make several thousand a month just off of late fees
and disconnect fees. We assessed a 25 dollar fee for any NSF.

On Thu, Jun 28, 2018, 4:49 PM Matt Hoppes <[email protected]>
wrote:

> Sure but it takes two days for the failure to come back, so the customer
> can use that to game the system if they feel so inclined. With a credit
> card the acceptance or rejection is instant.
>
> On Jun 28, 2018, at 17:30, Lewis Bergman <[email protected]> wrote:
>
> I guess it depends on your billing system, how it cuts off people, etc.
> Mine would accept payment, then reverse it and cut people off
> automatically. One of the few things it did well. I was mostly ACH and it
> saved me a couple of grand a month if I remember correctly.
>
> On Thu, Jun 28, 2018 at 4:25 PM Matt Hoppes <
> [email protected]> wrote:
>
>> Hey CH is a pain in my neck. Yes I don’t have to pay fees with the fees
>> are very small, but I am not guaranteed my money, and then I have to chase
>> balances and add fees and remove payments.
>>
>> On Jun 28, 2018, at 17:20, Eric Kuhnke <[email protected]> wrote:
>>
>>
>> https://engineering.gusto.com/how-ach-works-a-developer-perspective-part-1/
>>
>> Might be of interest for those of you whose billing systems are set up
>> for ACH direct debits via checking account numbers.
>>
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