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fDesc[0] = "DirectPay ACH is a simple and effective Windows application that creates ACH files from your Excel, CSV and user-defined text files. These ACH files (commonly known as &quot;direct deposit&quot; or &quot;direct debit&quot;) are a series of payment instructions you may send to virtually any bank for executing. <br /> Conversion from your source file takes just seconds and all files are NACHA-compliant. DirectPay ACH makes payroll, vendor payments, and customer collections both easy and cost-effective.";

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