Why do we require a credit/debit card for immediate payments? For ABC Clubs: Why does my billing & management software mandate this process?

The short answer? Risk management. "ACH transactions sometimes take longer to settle as a risk management measure. Credit and debit card transactions are authorized and approved immediately, so unless the consumer later says the transaction was fraudulent, the transaction will typically go through. However, ACH transactions aren’t authorized right away and can be rejected or [...]