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The Clearing House Payments Company L.L.C. (PayCo) is a U.S.-based limited liability company formed by Clearing House Association. PayCo is a private sector, payment system infrastructure that operates an electronic check clearing and settlement system (SVPCO), a clearing house, and a wholesale funds transfer system (CHIPS). [1]
In the United States, the ACH Network is the national automated clearing house (ACH) for electronic funds transfers established in the 1960s and 1970s. It processes financial transactions for consumers, businesses, and federal, state, and local governments.
The Electronic Payments Network (EPN) is an electronic clearing house that provides functions similar to those provided by Federal Reserve banks' FedACH service. The Electronic Payments Network is the only private-sector operator in the ACH Network in the United States. [1] The EPN is operated by The Clearing House Payments Company. [2] [3]
The first automated clearing house was BACS in the United Kingdom, which started processing payments in April 1968. [4] In the U.S. in the late 1960s, a group of banks in California sought a replacement for check payments. [5] This led to the first automated clearing house in the US in 1972, operated by the Federal Reserve Bank of San Francisco ...
A United Health spokesperson on Tuesday said claims submissions had returned to pre-disruption levels, noting that many providers can also use alternative clearing houses to submit claims.
Electronic bill payment is a feature of online, mobile and telephone banking, similar in its effect to a giro, allowing a customer of a financial institution to transfer money from their transaction or credit card account to a creditor or vendor such as a public utility, department store or an individual to be credited against a specific account.
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