ACH stands for Automated Clearing House, an electronic payment network used to transfer funds between bank accounts in the US. Cross-border ACH refers to using the ACH network to make electronic payments between bank accounts located in different countries. After the sender initiates the payment, it is sent to an ACH operator that handles cross-border payments, who verifies the payment information and routes it to the recipient’s bank for clearance and settlement. The recipient’s bank then notifies them that the payment has been received and deposited into their account.