Stripe ACH processes large volumes of credit and debit transactions. Its also connected with plaid for instant verification of bank account. You can directly charge on customer once it's verified. Here I've explained on how to integrate it with ruby.
Studies have shown that exposure to bright blue light in the evening can affect your circadian rhythms and make it harder to fall asleep. This is were, a cool new feature which is available from iOS 9.3 for all iOS device users come in 'night shift'.