In terms of overall n/w utility across banks from a regulator perspective ACH being quite bilateral(or multi) it seems nice, but i guess the returns part makes it look more credit-risky(for ODFI) than most multilateral netting transactions should be.Wanted to know if there are any insurance products that thrive on this very credit risk ODFI takes?

I haven't seen a lot of payment gateways but does ODFI place block limits or OverDraft limits on the originator and does it vary from bank to bank?