What does a Time-Motion diagram of an ACH look like?

A lot many times I am asked, what does a time-motion diagram of an ACH (Automated Clearing House) transaction look like and why it is important. One of the reasons a TM diagram is important is if you are building an app and/or processing payments based on ACH payments, you need to know the cut-off times, the debit and credit cycles.

If you will be automating this, via an API or a cron job, then understanding the time motion diagram is critical.

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