Every business needs some secure form of payment forms and that transactions are done legally. In the US, the government and the private sector all use ACH and ach payments like deposit of paychecks, tax returns, business-to-business payments and others are processed everyday. For a regular citizen like I am, who uses credit cards and debit cards, I could not dig more into how my transactions are processed, what matters to me is that when I purchase something, I use my cards without any hassle, without being blocked and with ease. I know that there is something that governs over our transactions and with that, business systems go smooth in their operations.