[Eclyps]

The whole "enter your banking credentials" thing is definitely a bit weird, but I understand why they do it.

A slightly different use-case, but does anyone know of a good service that replaces the need for nightly ACH batch processing that works with good old fashion routing number and account number (and maybe some other details OTHER than banking credentials)?

[pbreit]

Visa Direct and MasterCard Send sort of do that. I believe, for example, that is how Lyft is offering "instant" payouts (through Stripe).

Curious how important same-day vs next-day is for you?

[rockdub2]

It also supports routing and account numbers https://developers.dwolla.com/resources/dwolla.js.html