Disintermediating credit and debit cards as well as paper checks in the U.S. is the aim of Kash, a start-up that expects to find most of its customers among retailers, businesses billing other businesses, Web sellers, and mobile app developers wanting to give consumers access to their funds on deposit through the Automated Clearing House (ACH) system. Kash will be a service mark at brick-and-mortar locations. Online sellers will integrate Kash’s liveACH application program interface into their checkout page on a white-label basis. Consumers register by downloading an app and log into it u...