Automated clearing house (ACH) payments are growing at a steady pace. And increasingly these transactions involve not just traditional ACH payments - big, scheduled transactions such as payroll - but small, unscheduled transactions such as a cup of coffee at Starbucks. As the volume increases so too are the number of requests to investigate transactions by confused customers and vigilant law enforcement agencies.

The trouble for banks is their old ACH processing systems were not designed for these sorts of investigations. The popular PEP-Plus ACH processing from Fiserv only holds data online for 60 days, even though by law customers can contest debits for six months.

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