Authorize is great for Credit Cards, but puts a 5 to 7 business day hold on ACH (aka e checks). This means that ACH payments take about 2 weeks to clear. Before we integrated with Zoho Subscriptions, we used PayPal for e checks and it only took 3-5 days total. That is about 1/3 the time it takes for Authorize. We are owned by a publicaly traded company and have excellent multi year record with Authorize, but stil they are unable to reduce the hold time to less than 7 days, though I have requested it more than once. Authorize should be in a position to out perform PayPal, not the other way round. This feature will give us options and hopefully create cometition for Authorize to get on the ball.