That is the case in most of Europe as well (under SEPA Direct Debit), and has been for many years now.
I've not had to dispute an ACH debit yet, but at least at most German banks, it's literally a single click and the money is back in your account – up to 8 weeks after the payment (any reason, no questions asked), and up to 13 months in case of fraud ("no mandate").
I've not had to dispute an ACH debit yet, but at least at most German banks, it's literally a single click and the money is back in your account – up to 8 weeks after the payment (any reason, no questions asked), and up to 13 months in case of fraud ("no mandate").