Help with EFT project

[tlgates]

I have a request to develop the ability to draft bank accounts for a client of mine. They want to draft a customer's bank account for their insurance payment. I have no idea how to do this or even start. I'm assuming that they will obtain the routing/account information from thier customers and keep that in a database that I'll pull from.

1. Do I create a file with the account information and the debt amount?
2. Is there a file layout that I have to use?
3. Who do I send the file to? Is it my client's banking institution or is it their customer's banking institution?

Any information on how to do this would be greatly appreciated. I've googled eft and haven't found any instructions on how to implement this.

Thanks.

 

[bjd4jc]

You will probably want to look into getting some type of Merchant account and let them do all of the processing. I don't think that you can use a standard bank account to deposit money with. That bank will provide you with all of the details and maybe even a SDK to develop your program with.