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djmobley
on Aug 25, 2017
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How ACH works: A developer perspective (2014)
In the UK there is also a 'pull' system (Direct Debit) in which you instruct your bank that a given third party can regularly take money out of your account until further notice.
It's commonplace for bill payments, subscription services, etc.
eterm
on Aug 25, 2017
[–]
And should be noted that not anyone can receive direct debits so there still isn't a large need for secrecy of routing numbers.
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It's commonplace for bill payments, subscription services, etc.