Returned items can typically filter in anywhere from a day to 4 business days after the transaction was originated. These return notifications can come in one of many forms, i.e., account closed, NSF, etc. That’s not ideal for a website that is shipping a product of any significant value.
On the other hand, businesses with a subscription model (have a recurring payments component) generally have a long standing relationship with their customers and the customers rely on a service or regularly delivered product.
Please read the originial post here: https://lyceumdo.org/what-are-the-best-advantages-for-ach-payment-gateway/