Could you elaborate on whether PayPal is classified as an Automated Clearing House (ACH) system? Given the rise of digital payments and the popularity of PayPal as a payment gateway, it's important to understand the nuances of various payment methods. Does PayPal operate similarly to traditional ACH networks in terms of transaction processing, settlement, and compliance? Or does it function in a distinct manner that sets it apart from ACH? Clarifying this distinction would be valuable for merchants, consumers, and financial institutions alike.