API For Direct Deposit (ACH, EFT, Whatever) [closed]

Answer 1

Looks like Payflow ACH Payment is also out there, Payflow ACH API Link

Answer 2

I agree with Mike. Talking with your bank is a good starting point. We use Authorize.net ACH but that only supports getting money from your customer checking account but NOT depositing into a customer account. So far (and I am also looking for a simple solution) only our bank offered that direct deposit feature.

Answer 3

You can use ACH Direct to do this. The API is here: https://www.paymentsgateway.net/pdf/agi_integration.pdf and the pricing is located here at www.achdirect.com/offer.

Leslie Hendrix

Answer 4

The first place I would start is with your bank. Ask them what options they have for what you want to do. I am quickly finding that a good bank is willing to sit down with you and show you at least the options that they have and provide. They know the lingo of the business and can translate that for you. In our case, we can automate the ACH process by creating an ACH file daily and FTP that file to the bank.

Answer 5

I definitely would advise against AllianceACH.com for the time being. They got sued by their bank and we lost a $5000 deposit because they don't have the money to refund it.

I'm pretty sure they are going out of business, although not positive. If they do end up getting their act together, and giving us back our deposit, I would definitely use them again. After they stopped providing ACH services, we switched to FirstAch.com.

FirstACH.com has what you need - however I have to warn you their interface (both API and GUI) are terrible and annoying. Their customers service is inept and they aren't flexible in working with you to provide solutions tailored to your individual needs. Unfortunately they are the best we have found.

We are currently looking into Wells Fargo business solutions as an alternative, however I suspect it won't be nearly as cheap.

Answer 6

Authorize.NET also has eCheck.net: http://www.authorize.net/solutions/merchantsolutions/merchantservices/echeck/

Authorize.NET is generally trusted, reliable, and easier to use than other payment gateways for charging credit cards. I suspect it would be the same for ACH.