Also, the acceptors of credit cards are limited. For example, you cannot pay a person with a credit card. Some industries, by law or common practice, are unable to accept credit cards for payment, e.g., brokerages. The inherent requirement of the extension of credit makes the credit card unsuitable for many types of business transactions. Different types of business requirements, such as a two signatures, or different signers on the same account with different limits, cannot be supported by the credit card.
Debit cards face similar restrictions as do credit cards.
In addition, most debit cards carry low transaction limits. See Understanding the differences between eCheck and debit cards for more information. While ACH works well for payments between established trading partners, it is not readily available in many other transaction situations. Unlike ACH, eCheck can be used when payments must be made directly between trading partners without a third party or significant pre-arrangement involving bank accounts. For a more detailed review of the differences between ACH and eCheck, please see Understanding the differences between eCheck and ACH .