ACH processing - Githubissues

thephpleague / omnipay

A framework agnostic, multi-gateway payment processing library for PHP 5.6+

http://omnipay.thephpleague.com/

MIT License

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ACH processing #206

Open clphillips opened 9 years ago

clphillips commented 9 years ago

How about some interfaces for processing ACH transactions? They generally support all of the same actions as a credit card:

purchase refund void

authorize/capture are not usually supported, but should exist nevertheless.

Main difference beween CC and ACH is:

number becomes account number (name can remain number)
routing new field to hold routing number
expiry* not used
cvv not used
type becomes enum for 'checking', 'savings', 'business checking'
bank name the name of the bank the account exists under, rarely but sometimes used by ACH gateways

greydnls commented 9 years ago

I like the idea of interfaces for this. I think the best way to go is to create ACH specific gateways. Something like Authorizenet_ACH, etc.

I also think it would be helpful to create a BankAccount object in the same way that we have a CreditCard object now.

johnnye commented 9 years ago

I'd like to :+1: the idea of a BankAccount object. It would help with DD/SEPA payment providers like gocardless. In the current version of the API it's a moot point as they require a hand off to their site. However there is a "pro" version that (does / will) require bank account details.

See issue #243 for a list of providers that I know of who could find this useful.

I did write a longer comment about bank based payments - but might take that to the google group as it's off topic here.