The ACH payment system is built on top of the legacy paper
check process, our cost to accept these payments are similar to
paper checks which why we are able to offer you a cash
discount.  Similar to a paper check the funds are first drawn
from your bank and your account is verified by our processor
prior to us receiving funds.  This process takes 4 business
days, it is not until the 5th business day that your payment is
electronically credited to our account.