English to Norwegian Bus/Financial Finance (general) US Payment service

Wikipedia: "Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of both credit and debit transactions, which are originated in batches. Rules and regulations governing the ACH network are established by NACHA-The Electronic Payments Association (formerly the National Automated Clearing House Association) and the Federal Reserve (Fed). In 2002, this network processed an estimated 8.05 billion ACH transactions with a total value of $21.7 trillion.[1] (Credit card payments are handled by separate networks.)" Dette er mao. et USA-spesifikt betalingssystem Problemet mitt er å finne et illustrerende uttrykk på det som er i parentesen. Tenkte litt på "direkteoverføring", men vil gjerne ha kreative forslag!