No actual news, just ACH as it has been for many years. The author was annoyed that credit card companies allow users to pay by "eCheck" without prenote or deposit confirmations.

> The good news is that online ACH fraud is relatively uncommon, just because it’s rare to find an online vendor who will allow you to pay using ACH rails instead of your debit card. The case of paying off a credit-card bill is a unique one, because you can’t use a credit card to pay off a credit card.