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For 2), it looks like Balanced payments accepts ACH debits.

Apparently not any more. Balanced shutting down (RIP)

Oh yikes, thanks. Listen to this guy.

I emailed them with a question and that's the response I got. Too bad, there seems to be a need out there for an automated bank account payment API.

That's awesome!

If I can do recurring payments with that, it might make things a hell of a lot easier! Thanks!