Sending money from [SomePaymentProcesingCompany] to bank account

Question

The Imaginary Scenario:

The Affiliates earn money on my website by selling items/services/widgets to their clients. You can think of it as a simple affiliate program. This money is stored in a single account until the Affiliate requests their money.

The Affiliates don't want to wait for a check to come in the mail; they want to log-on to their administration section (on my site) and click the magical "Transfer My Hard-Earned Money Now! Fool" button and have their millions deposited directly to their bank account (this transfer might take "3-4 days" if it has to --- the Affiliates just want to feel like they can always take control over their money).

Now, PayPal already does the "Send My Hard-Earned Money Now! Fool." function just fine. Their API even allows transferring money from one Paypal account to another; it just doesn't allow deposits to bank accounts. The Affiliates are lazy and don't want to log-in to their Paypal account to transfer their money.

---

So, what can a developer do?

• I don't want to bother with Storing Credit Card information (PCI compliance...no thank you).
• I don't really care to integrate directly with a bank
• I want to (in psudeo code):

.

// affiliate and crdentials are pulled from my database.
Affiliate affiliate = db.Affiliates.GetByID(123456);
Credentials creds = affiliate.GetBankCredentials();
// paymentAPI is, well, its an API.
Xml response = paymentAPI.InitiateMoneyTransfer({from: myAccountCrdentials, to: creds, amount: 123, currency: "USD"});
if(response.success){
    print "Bling Bling! Transfer initiated";
}
else{
    print response.msg;
}

p.s. I'm in the USA

Answer 1

Go with a different payment processor/gateway. Use Paypal for Paypal related accounts/transactions, and Authorise.NET, Chase Payment TEK or similar provider of the sort to do deposits to real bank accounts.

You will not be able to get away with PCI compliance. Moreover, you will not be able to get away without a payment gateway such as the one's listed above.

So the scenario is simple:

Return (from paypal) Paypal->YourBankAccount->Authorize.NET->Consumer Account.

Return (from your bank account) YourBankAccount->Authorize.NET->Consumer Account.