When considering the advantages and disadvantages of ACH payments, particularly in the context of collecting funds from customers, it's essential to weigh various factors.

One advantage is the convenience of easily collecting pre-payments for online transactions through ACH.

However, it's important to note potential drawbacks, such as the possibility of ACH returns. These returns may occur due to the time it takes for an ACH request file to reach the customer's bank, which can sometimes lead to delays or complications in the payment process.