No... 3rd parties like cybersource act just like banks from the perspective of t...

		jesusmichael on April 23, 2014 \| parent \| context \| favorite \| on: How ACH works: A developer perspective No... 3rd parties like cybersource act just like banks from the perspective of the network and can initiate transactions. They pay big money to the financial institutions for this level of access... But from a dev perspective they provide a defacto standard for transactions across many institutions and networks