In reply to Philip Cohen.

No, you are incorrect. I repeat...WE ARE NOT ACH.

See our Patent - http://www.google.com/patents/US7389913

About MyECheck

MyECheck Inc. is a leading electronic payment
technology developer, licensor and payment services
provider. MyECheck operates under license to
US Patent 7,389,913, “Method and Apparatus for Online
Check Processing” granted June 2008. This patented
payment method is the fastest, most secure and most
cost effective method of processing payments in the
U.S. MyECheck provides comprehensive payment solutions
for all payment applications including mobile payments and
the industry’s most advanced security and fraud control
technologies. MyECheck customers include corporations,
retailers, governments, payment processors and financial
institutions.