| I attempted something similar in the past. Quick summary of my experience: 1. Billing credit cards is easy, paying people through an API using direct deposit is pretty hard to find 2. Lots of companies won't know what you're talking about. The ones who do will say you are an "aggregator" and high risk. 3. BrainTree payment solution is a possible exception to this. They "get it" but they also have rejected everyone I know who has applied. They rejected my app also. You need a mil in sales and a track record. 4. I finally stumbled upon AchDirect.com. They are a two-bit no-name processor in Texas, but they approved my app, and give you an API to do direct deposit. Their customer service was incompetent, documentation was sub-bar, and generally didn't seem like they knew what they were doing. But i did finally get the thing to work. I had to write a custom ActiveMerchant plugin for AchDirect (if you want the code get in touch with me). I think WePay is using AchDirect too (not sure). Anyway, Amazon FPS is much simpler. But your customers experience is much worse. It confuses people because they don't think of Amazon like they do Paypal. And (at least when I tested it) there were too many screens to go through to complete a simple transaction. Anyway, that was my experience. |
We did find a merchant that worked with us. Contact me via email (jaisen(at)textbookrevolt.com) and I can get you in touch with the account rep we worked with.