Which of the following is true about ACH payments?

ACH payments, or Automated Clearing House payments, are designed to facilitate electronic transactions, primarily within the United States. However, they can also be utilized for cross-border transactions under certain circumstances, particularly through arrangements with international partners and networks. This flexibility is crucial as it allows businesses to engage in more extensive e-commerce operations and meet the needs of a global customer base.

Typically, ACH systems are linked to specific banking networks, which can expand their reach beyond domestic operations. In this way, businesses can leverage ACH for international payments, provided they meet regulatory compliance and utilize the correct payment processing channels.

The other options propose limitations or misconceptions about ACH payments that are not accurate. For example, while ACH transactions are often conducted in the same currency, they can also involve cross-border transactions that may necessitate conversion to other currencies. Furthermore, ACH processing does not inherently require manual intervention; it is primarily an automated system designed to streamline transactions, enhancing efficiency in payment processing.