The details you provide are especially interesting, especially in light of PayPal's announcement yesterday of their Next-Day-Settlement (NDS) service: http://th

The details you provide are especially interesting, especially in light of PayPal's announcement yesterday of their Next-Day-Settlement (NDS) service: http://thenextweb.com/insider/2014/07/08/paypal-now-lets-us-firms-bypass-4-day-waits-transfer-money-bank-accounts-24-hours/ http://thenextweb.com/insider/2014/07/08/paypal-now-lets-us-... NDS must be a proprietary alternative to ACH. Thanks for this write-up. Looking forward to your next post on the ACH file format.