Approving automated clearing house payments for processing by an ACH operator is based on an approved originator list identifying originators authorized by an originating depository financial institution to originate ACH payments and to send those ACH payments to the ACH operator on behalf of the ODFI. In one disclosed aspect, the IPBC may comprise a first birefringent crystal optically configured to receive two rays incident at an angle, a rotator configured to rotate the rays received, and a second birefringent crystal positioned to receive the rays from the rotator. Adhesive is disposed on at least a portion of an inward facing surface of both said front and rear portions.