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Publishers Clearing House. Publishers Clearing House (PCH) is a direct marketing company that markets merchandise and magazine subscriptions with sweepstakes, and prize-based games. Publishers Clearing House was founded in 1953 by Harold Mertz to replace door-to-door magazine subscription sales by a single vendor offering multiple subscriptions by mail.
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll and vendor payments. ACH direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.