The ACH process (1st presentment) allows a user to take paper checks and convert and present them for payment electronically online without having to leave the store to go to the bank. It includes the ability to set-up recurring (automatic) ACH payments that debit customers bank accounts on specific intervals (weekly, monthly, semi monthly, etc.). No hardware/reader is required. DATATrue™ also offers low-rate credit card/debit card processing often resulting in up to 30% cost reductions when compared to other credit card processors (we will perform a full, free analysis so you can evaluate its value).