Collecting and Making ACH Payments

Question

We're creating a platform with PHP back-end where a customer will be able to purchase a service through the platform with their credit card or linked checking account. The platform will collect the payment, take out their fee and pass the remainder on to the business fulfilling the customer's order. The payment will be deposited directly into the fulfilling company's checking account.

I know PayPal offers their Advanced Payments and Payment Pro solutions to address this, but we're trying to identify a payment platform that will allow this to be done with direct ACH debits/payments.

We've researched the following which do not offer a solution to this use case:

• https://samurai.feefighters.com
• authorize.net
• http://www.firstdata.com/global-selector.html
• stripe.com

Anyone know of a solution that will address this need? Thanks!

Answer 1

Have a look at Balanced . We process credit cards and ACH deposits.

Balanced also has an ACH debit API in the works, check out the spec and discussion over on the Github repo . The debits API will hopefully be live for production within a month.