I'm curious to know how you verified this. The help text in the app is explicit that "There's no fee to receive ACH payments, or any other kind of payment that uses your ACH routing number."

I remember the app used to show two sets of US bank details, and that the routing number for receiving wire transfers was different from the one used for receiving ACH transfers. But that seems no longer to be the case.

I regularly push money into my TransferWise USD account from another USD account and they supposedly added direct debit support about a year ago.

Are you sure? I’ve done ACH transfers from my own bank account into TW.

I know if the ownership details don’t match up exactly there are extra steps, but it was pretty painless for me.

If you're saying that people can't transfer money into your account via ACH, then that's not true. Being paid by a client is a specific use they describe.

That means no paychecks, right?

have you looked at Currency Cloud?