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How do services like Square link bank accounts to peoplepeople's personal accounts? Is there some API they're plugging into? Is this the same as ACH?

How do services like Square link bank accounts to people personal accounts? Is there some API they're plugging into? Is this the same as ACH?

How do services like Square link bank accounts to people's personal accounts? Is there some API they're plugging into? Is this the same as ACH?

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How are bank accounts linked to other accounts?

How do services like Square link bank accounts to people personal accounts? Is there some API they're plugging into? Is this the same as ACH?