In most instances, CheckFree used the ACH system to transfer funds directly from the consumer’s account to the merchant. However, CheckFree provided the supporting data for the transfer even if the biller did not have the technology to accept it electronically. If a merchant could not accept electronic payments, it simply cut a paper check, drawing from the consumer’s bank account, and mailed it to the merchant. CheckFree also transmitted remittance information, which the ACH system was not equipped to process. In its role of helping each disabled party through the electronic payments process, CheckFree proved a versatile and reliable middleman whose reach could not be rivaled.