As far as I know Stripe does not do ACH? We've actually been looking all over the place for an ACH processor with an API (aka a Stripe for ACH) and have had absolutely no luck. And the one company we found, for some reason, wouldn't take us on as a client (I guess we're considered high-risk). Anyway, I wholeheartedly agree with the need for an "Stripe for ACH". If you actually know of one please let me know.
Crediting. As far as I know PayPal Mass Payments requires the recipient to have a PayPal account (in fact, we do use Mass Payments for customers who choose to be paid by PayPal). Crediting via ACH, on the other hand, merely requires routing and bank account numbers - which is something everyone has! The whole point, which neither PayPal nor Dwolla solve, is to use the existing financial network, not create a new means of money exchange.
I'm interested in chatting in more detail with you about this. Would you drop me an email if you would like to discuss further? My contact details are in my profile.
