When your toaster and your TV are programmable, doesn't it make sense that your payments should be programmable, too?  Card payments often settle on ACH, but accessing the ACH Network for electronic payments is tough. It can take years to figure out accounting, corrections, automating returns, identity verification, and reconciliation.  What if those technical gaps were fixed? What if there were a simpler system? Would businesses use it? The gaps have been fixed, a simplified solution has been created, and businesses are using it.  That solution is called Dwolla, and we had a conversation with the company's founder, Ben Milne, on this episode of the Payments Innovation podcast.  To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here.  Until next time!