Credit card crediting and debiting / ACH crediting

问题:

I'm looking for a way to automate a transfer from one credit card to another credit card or from one bank account to another bank account, without the end user having to login to something like paypal or amazon payments to complete the process (by transferring their on-line balance to their bank account).

This is extension to the earlier question.
API For Direct Deposit (ACH, EFT, Whatever)

Anybody solved this. Could you suggest the answer?

[EDIT]
I know that PCI compliant issues will be there to store credit card info in database. So I am checking for an API which saves saves the info and doing crediting and debiting credit card.

Is there any issue to store the bank info in database?

[new]
I saw that there is an api for that. echeck.net which uses ACH network and credit/debits a bank account.

Is it possible to store the bank info in authorize.net server through CIM API, and use them whenever website needs to collect money from consumer, through a script? and through script is it possible to credit the users bank account from website bank account?

回答1:

I saw that there is an api for that. echeck.net which uses ACH network and credit/debits a bank account.

Is it possible to store the bank info in authorize.net server through CIM API, and use them whenever website needs to collect money from consumer, through a script? and through script is it possible to credit the users bank account from website bank account?

CIM does work with eChecks and should do what you need. See page 9 of the CIM manual for details of the createCustomerProfileRequest API call.