صفحہ پلٹ رہا ہے۔
اگلا باب سامنے لا رہے ہیں…
سنیے… مطالعہ اپنے مطابق بنائیں۔
خط اور تھیم ظاہری انداز میں ہیں۔ اپنی آنکھوں کی سہولت بھی دیکھیں۔
اگلا باب سامنے لا رہے ہیں…
U.S. Automated Clearing House batch payments, cheaper and slower than wires.
براؤزر میں بلند آواز سے پڑھنے کی سہولت چیک ہو رہی ہے…
یہ مطالعہ فی الحال انگریزی میں دستیاب ہے۔ انٹرفیس آپ کی منتخب زبان استعمال کرتا ہے۔
اصل انگریزی پڑھیں ←An automated clearing house (ACH) is a computer-based electronic network for processing transactions, usually domestic low-value payments, between participating financial institutions. It may support both credit transfers and direct debits. The ACH system is designed to process batches of payments containing numerous transactions, and it charges fees low enough to encourage its use for low-value payments.
The first automated clearing house was BACS in the United Kingdom, which started processing payments in April 1968. BACS operated from the beginning on a net settlement basis. Netting ACH transactions reduces the amount of deposits a bank must hold.
In the U.S. in the late 1960s, a group of banks in California sought a replacement for check payments. This led to the first automated clearing house in the US in 1972, operated by the Federal Reserve Bank of San Francisco.
ACHs process large volumes of credit and debit transactions in batches. ACH credit transfers are initiated by the payer and include payments such as: direct deposits, payrolls, retail payments and vendor payments. ACH direct debit collections are initiated by the payee with pre-authorization from the payer; ACH direct debits include consumer payments such as utility bills, insurance premiums, mortgage loans, and other types of bills. Transactions received by the bank during the day are stored and transmitted in batches to the ACH.
ACHs are net settlement systems, so settlement may be delayed for days, and there is some settlement risk. ACHs may allow for the transfer of a limited amount of additional information along with payment instructions.
ACH payments contrast with real-time gross settlement (RTGS) payments which are processed immediately by the central RTGS system and not subject to any waiting period on a one-to-one basis. ACH systems are typically used for low-value, non-urgent transactions while RTGS systems are typically used for high-value, urgent transactions.
There are various ACH systems around the world. The World Bank identified 87 systems in their 2010 survey and 98 systems in their 2012 survey, while other sources have made qualitative analysis of a smaller number of ACH systems.
In addition, there are various ACH associations such as the European Automated Clearing House Association.
منتخب اور نئی ترتیب دی گئی از Automated clearing house، اس کے معاونین کی جانب سے، اس لائسنس کے تحت CC BY-SA 4.0. نظرثانی 1371275879۔ حصے اور ترتیب مختصر کیے گئے ہیں؛ متعلقہ نسخہ مکمل پس منظر اور معاونین کی تاریخ دیتا ہے۔ یہ حوالہ جاتی متن اسی لائسنس کے تحت ہے۔ اضافی حوالوں کے روابط اس نسخے سے لیے گئے ہیں اور یہاں آزادانہ جانچ نہیں ہوئی۔