The first automated clearing house was BACS in the United Kingdom, which started processing payments in April 1968. 4
https://en.wikipedia.org/wiki/Automated_Clearing_House
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A direct debit instruction must in all cases be supported by some sort of authorization for the payee to collect funds from the payer's account. There are generally two methods to set up the authorization:
https://en.wikipedia.org/wiki/Direct_debit
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