Credit Lending and Debit / ACH Lending and Debit via Api without user interaction

I'm looking for a way to automate transfers from one credit card to another credit card or from one bank account to another bank account, without the end user having to go to something like PayPal or Amazon payments to complete the process (by transferring their online balance to your bank account).

This is an extension to an earlier question.
API for direct deposit (ACH, EFT, whatever)

Has anyone solved this. Could you suggest an answer?

[EDIT]
I know that PCI compatibility issues will be stored in the database. So I am checking an API that saves information saving and does credit card lending and debiting.

Is there a problem for storing banking information in the database?

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

Is it possible to store bank information on the authorize.net server via the CIM API and use them whenever a website needs to collect money from a consumer using a script? and through a script is it possible to credit users' bank account from the website bank account?

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

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



CIM works with eChecks and should do what you need to do. For more information on calling the API createCustomerProfileRequest

see p. 9 CIM manuals .

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