Most businesses have struggled to find effective alternatives to paper checks. Banks market ACH for B2B payments typically only to larger businesses through their Treasury Management Sales Organizations; the high-average ticket size of a B2B payment (about $5,000 per payment in our customer base) makes credit card merchant fees very expensive (about $125 per average payment); and real-time wire payments are risky, expensive, and tedious. Wouldn't be easier to pay via mobile phone? Currently, ginstr provide business apps and perhaps in future we might consider adding B2B payments.