The XNETT Automated Clearing House (ACH) provides an efficient and real time payment service that enables high end/low end transfer of debit and credit payment transactions for personal and corporate clients including interbank payment system. This is used for recurring personal or corporate interbank transfers. As inputs to the XNETT system is from banks using pre-defined and well-tested formatting, the acceptance rate is usually high and most payment instructions are settled with minimum human intervention.