Can I ACH transfer to another person?

Could you please clarify if it's possible to initiate an Automated Clearing House (ACH) transfer to another individual? I'm curious about the feasibility of this transaction method for personal use, especially when it comes to transferring funds between two individuals. Is there a specific process or requirement that needs to be met in order to make such a transfer, or is it generally restricted to business-to-business or bank-to-bank transfers? Understanding the limitations and procedures would greatly assist me in making an informed decision regarding this potential transaction.