I believe Ed answered a question you had a few days ago about how long it takes for money to be available to the seller after the transaction is made. EMobile is a realtime payment system, bills are paid in real time. Wallet loading currently has a two day hold however that will be reduced to real time for most people once all of our security systems are fully operational. We do not rely on ACH. https://www.facebook.com/myecheckinc/posts/446645352186234?comment_id=446814055502697&offset=0&total_comments=4&comment_tracking={%22tn%22%3A%22R0%22} For your other questions you can ask Ed directly.