For ISOs/MSPs: are merchants actually asking for Pay-by-Bank / ACH at checkout?

Overview

I work on fintech/payment integrations and recently spent quite a bit of time on an ACH implementation for a US merchant services company. For people working at ISOs, MSPs, PayFacs or merchant-services companies: Are your merchants actively asking for ACH/Pay-by-Bank? Do you currently offer it as your own integrated product, or mostly refer/resell another ACH provider? What is the biggest pain point — onboarding, underwriting, checkout integration, reconciliation, returns/disputes, or something

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