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Is there a service with an API which provides the opposite to services like Stripe and PayPal which charge accounts. Id' like to make payments to accounts nightly/weekly/monthly and have the service automated electronically by hitting a specific API.
Edit: I am aware 'some' banks make some attempt at providing a half baked effort in providing something similar for clients... However a developer can't make a CEO bank with someone for convenience.
PayPal adaptive Payments can send several different payment types via an API https://developer.paypal.com/docs/classic/adaptive-payments/integration-guide/APIntro/
Stripe also has a payment/transfer option: https://stripe.com/docs/tutorials/sending-transfers
Thanks for your response @Graham . Those services don't quite do what we need though, unfortunately. I'll have to go back to the drawing board for now. Basically ATM, we manually produce bank files to do direct deposits/transfers to (x) amount of accounts owing (per transactions file without incurring a fee), regardless of bank/institution. Obviously, this becomes less and less viable as business grows and our business requirements need to allow customers to have any valid (Australian) bank account. Without the need for them to have purchased/sign up for 3rd party services.
@glarbnaught would you not be better off automating the production of your bank file to keep your transaction free payment processing. It might be worth talking to your bank if you haven't already, see if they have anything that would help you.
I think I misunderstood your original requirements. I'm guessing you're talking about a method of processing payments from 3rd parties (rather than to them) and those payments are instigated by you. In Europe this would probably be a variable direct debit, I'm not sure with the Aus equivalent would be.
I think PayPal offer a service where a customer can pre-approve variable payments to be instigated from your side.
@graham Essentially what I wanted to do was basically automated [payroll] which is apparently a "payout" (payroll is a bit different). Currently I do auto generate that bank file however as we grow, because of the amount of free transactions you are allowed in any 1 file administration costs come into account (which are fine for now). I managed to find a local mob https://pin.net.au/docs/api/transfers that may serve our purposes in future. Again, it'll come down to costs.... But that is business.
Thanks for your input.
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