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No. The ACH authorization can only be revoked AFTER we receive payment in full of the amount owed. Because our advances are single payment advances, we are permitted to require ACH repayment in accordance with the Federal Electronics Funds Transfer Act (EFTA). As a one-time payment, the repayment of a payday advance through OnlineApplyAdvance.com is not encompassed by the EFTAâs definition of âpreauthorized electronic funds transfer,â and is therefore permitted under the EFTA. $35 application fee is far less than payday lender fees apply for personal instant loan online