问题标题：
【国外的支付方式ACH/WIRE是指什么?能不能通俗点?】
问题描述：
国外的支付方式ACH/WIRE是指什么?能不能通俗点?
葛德田回答：
ACHtransactionsandwiretransfersareoftenconfusedwitheachother.Theyarebothelectronictransfersofmoney,buttheyarenotthesametypesoftransactions.Wiretransfersaretypicallyusedfortransferringlargedollaramountsoffundsbetweenbanksveryquickly.IntheUnitedStates,wiretransfersareprocessedthroughtheFederalReserveWireNetwork.
TheacronymACHcanstandfor“AutomatedCheckHandling”or“AutomatedClearinghouse.”ACHtransactionsareelectronicchecks,andareusedforprocessinglowerdollaramountpayments.Theyareprocessedinamannersimilartothatofpaperchecks,anddonottraveldirectlyfromonebanktoanother.
ACHtransactionsareprocessedthroughaclearinghousedividesthathandlescreditinganddeductingaccountsoftheoriginatingandpayingbanks.IttypicallytakesoneortwodaystosettleACHtransactions.
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