eCheck & ACH Gateway Development

@AwaisChaudhry

Hello, I understand you are creating a custom payment processing system that needs a strong core module for handling both eChecks and ACH transactions. My approach is to build this as a self-contained REST API that will easily fit into your existing SaaS platform, focusing on customer authorization, bank verification, and seamless settlement. I will ensure that recurring billing and real-time payment notifications are included right from the start, using clear webhooks for your application to respond promptly to transaction changes. The source code will be well-structured for clarity and maintainability. What specific banks or payment processors are you planning to integrate with for the eCheck and ACH transactions? Thanks,

@OutsourceMan

⭐⭐⭐⭐⭐ Thank you — below is a concrete plan showing how CnELIndia and Raman Ladhani will deliver the requested core module. Kickoff & spec: confirm ACH/eCheck acceptance rules, authorization methods (micro-deposits and optional instant account verification), webhook schema, and NACHA/settlement approach. Architecture & API design: CnELIndia architects a self-contained REST service with endpoints: create-customer, create-payment-method, charge, refund, query. Clear JSON responses and idempotency keys. Bank integration: Raman implements bank verification (micro-deposits + optional IAV connector), NACHA file creation or direct ACH rails integration, and settlement reconciliation. Recurring engine: Raman builds a robust scheduler supporting configurable amount/interval, retry rules, and ledger entries. Webhooks & notifications: CnELIndia implements secure, signed webhook payloads, retry/backoff, and webhook test harness. QA & delivery: full unit/integration tests, Postman collection, private Git repo with CI scripts, README with env vars and examples. Handoff: Raman runs a live screencast showing local run, test ACH/eCheck flow, recurring charge firing, and webhook payloads. CnELIndia handles project management, CI/CD, docs and QA; Raman Ladhani leads technical design, bank integration, scheduler, and handoff.

@softsolution2000

I am confident that my skills in PHP, Python, Node.js, RESTful, and Payment Gateway Integration align perfectly with the requirements of the eCheck & ACH Gateway Development project. The flexibility of language choice suits my expertise, and I am eager to deliver a high-quality, well-documented REST API solution. Budget adjustments can be made after discussing the full scope. I am ready to start and demonstrate my commitment to your project. Please review my 15-year-old profile for a comprehensive understanding of my capabilities. Let's discuss the details and get started promptly.

@ykarora26

Hello, I am an expert with 15+ years of experience in the technical world, delivering simple to complex websites, e-commerce platforms, membership systems, and custom portals. I always provide clear communication, continued support after delivery, and 100% client satisfaction. I specialize in Node.js development, creating secure, scalable, and high-performance backend systems with RESTful APIs, real-time applications, and database integration (MySQL, MongoDB, etc.). My focus is on building future-ready applications with clean and optimized code. If you are looking for a dedicated Node.js expert who delivers quality, innovation, and timely results, I’d be glad to work on your project. best regards yk

@managersingh

Hi, I can build the core REST API for eCheck + ACH processing so it plugs cleanly into your SaaS and meets your acceptance criteria. What I’ll deliver (day-one ready) • Self-contained REST API (Node.js/Express or Python/Flask — I’ll pick Node.js unless you prefer otherwise). • Endpoints: create-customer, create-payment-method, charge, refund, query. • Recurring billing engine (configurable amount + interval) with reliable scheduler and test hooks. • Bank onboarding/verification flow, settlement handling on US rails, and webhook-driven instant payment notifications. • Postman collection, full README (env, examples), private Git repo, and a short hand-off screencast. • Tests + example sandbox transactions so you can run locally and verify flows. If that matches, I’ll scaffold the repo and share the kickoff plan. Regards, Singh

@LiveExperts

Hello, As a part of the accomplished Live Experts® LLC team, let me explain why our knowledge and expertise make us the perfect fit for your eCheck & ACH Gateway Development project. Our expansive experience in the software development domain, including PHP and Python, aligns closely with your project requirements, which entails building a robust payment processing system using REST API with endpoints for core functionality like charge, refund, create-customer etc. Drawing upon our problem-solving prowess and well-documented webhooks and callback skills, we assure you an eCheck and ACH processing system that is secure, efficient and coherent. Code quality and clarity being crucial in any software engineering project, our diligent approach ensures clean code susceptible to easier debugging. Moreover, as engineers who have worked on projects of varying complexities across industries like finance, retail and e-commerce we are experienced in delivering high-quality yet cost-effective solutions, which can be witnessed throughout our portfolio. By choosing our team at Live Experts®, you're assuring a successful implementation of your payment processing architecture that will greatly enhance your SaaS platform. Contact us today! Thanks!

@corpmember29

I HAVE BUILT PAYMENT GATEWAYS WITH ACH/eCheck SUPPORT — READY TO DELIVER A SECURE, TESTABLE CORE MODULE YOU CAN PLUG INTO YOUR SAAS. I will deliver a self-contained REST API (Node.js/Express or Python/Flask—your choice) that implements secure ACH/eCheck flows on U.S. rails with clear endpoints and webhook notifications. Core features Customer auth + bank-account tokenization (micro-deposits or Plaid optional) ACH/eCheck charge, refund, and settlement flows with status tracking ecurring billing engine configurable by amount & interval (cron-safe scheduler + idempotency) Instant Payment Notifications via webhook callbacks with signature verification Idempotency, retries, error handling, and audit logging for compliance/debugging Sandbox test harness + mock bank simulator for local testing API endpoints create-customer, create-payment-method, charge, refund, query-transaction, webhook-receive, manage-recurring Deliverables Private Git repo with full source & tests Postman collection + example fixtures README: setup, env vars, bank-sandbox instructions, webhook examples Screencast/hand-off session demonstrating recurring setup and webhook testing Support & ownership You receive full source code and 2 years free ongoing support (bug fixes, small adjustments). Acceptance: you can run locally, trigger a test ACH/eCheck, see a scheduled charge execute, and receive the webhook payload.

@teodorgeorge

Hi, I understand you need a robust payment gateway core handling eChecks and ACH with customer authorization, bank verification, settlements, recurring billing, and real-time notifications. I have experience building secure REST APIs using Node.js and Python that integrate bank APIs and handle recurring payments with clear webhook structures. I will deliver a clean, maintainable backend service with essential endpoints, comprehensive documentation, and testing tools so you can smoothly integrate it with your SaaS platform and run quick tests locally. Thanks,

@dvcontact

Hello, What if you could launch your eCheck and ACH gateway in weeks instead of months? I can build you a working demo of the core payment flows—customer creation, charges, and instant webhooks—before we even commit to the full project. I'll architect a production-ready REST API with clean separation between bank integration, recurring billing logic, and webhook handlers. Every endpoint gets documented, tested, and delivered with a Postman collection so your team can integrate without friction. Let's hop on a brief call to confirm your exact bank requirements and US ACH compliance needs, then I'll scope the full build. Best, Smith

@marjanahmed13

Hi! My name is Marjan and I'm here to offer you my services as a skilled applicant with over a decade of experience working on Freelancer.com. l believe I am the best fit candidate for this project due to my extensive experience; I would like to have a discussion to get to know that we both are on the same page. Once the scope will be locked, I will start working on it right away.

@abhisaini0188

Hello, Thank you so much for posting this opportunity. It sounds like a great fit, and I’d love to be part of it! I’ve worked on similar projects before, and I’m confident I can bring real value to your project. I’m passionate about what I do and always aim to deliver work that’s not only high-quality but also makes things easier and smoother for my clients. Feel free to take a quick look at my profile to see some of the work I’ve done in the past. If it feels like a good match, I’d be happy to chat further about your project and how I can help bring it to life. I’m available to get started right away and will give this project my full attention from day one. Let’s connect and see how we can make this a success together! Looking forward to hearing from you soon. With Regards! Abhishek Saini

@TechizeBuilder

Hi totalf2, I came across your project "eCheck & ACH Gateway Development" and I'm confident I can help you with it. About Me: I'm a agency owner with over 8+ years of experience in PHP, Node.js, API Development. , and I understand exactly what’s needed to deliver high-quality results on time. Why Choose Me? - ✅ Expertise in required Technologies and 1 year post deployment free support - ✅ On-time delivery and excellent communication - ✅ 100% satisfaction guarantee Let’s discuss your project in more detail. I’m available to start immediately and would love to hear more about your goals. Looking forward to working with you! Best regards, Deepak

@juanjosec63

I can build this as a clean, self-contained REST API that handles eCheck and ACH flows end to end—customer authorization, bank verification, charging, settling, refunds, and status queries—so you can drop it straight into your existing SaaS. I’ll design clear endpoints for create-customer, create-payment-method, charge, refund, and query, plus a recurring billing scheduler where you can configure amount and interval, and receive instant status changes via well-documented webhooks. Under the hood, I’ll focus on robust integration with US banking rails, idempotent operations, and consistent JSON responses so your front end stays simple. You’ll get the full source in a private Git repo, a Postman collection, and a README covering setup, env vars, and example calls. Once you can run it locally, test eCheck/ACH payments, see recurring charges fire, and receive webhook payloads reliably, I’ll walk you through the flow in a short hand-off session. Best regards, Juan

@mykhaylob4

✋ Hi there. I can develop a robust eCheck and ACH payment gateway that handles both one-time and recurring transactions, fully integrated with US banking rails. ✔️ I have strong experience building payment APIs and back-end modules in Node.js and Python, including handling bank verification, authorization flows, and instant payment notifications. I have implemented secure recurring billing systems and webhook-based notifications for SaaS platforms before, ensuring reliability and clear response formatting. ✔️ For your project, I will create a self-contained REST API with endpoints for create-customer, create-payment-method, charge, refund, and query. The module will include recurring billing logic configurable by amount and interval, instant payment notifications, and thorough error handling. A Postman collection will be provided for quick testing, along with full setup instructions and a README explaining environment variables and example calls. ✔️ I will also deliver a short screencast or hand-off session to demonstrate recurring schedule configuration and webhook testing so you can run and test payments locally with confidence. Let’s discuss your current platform and bank integration details to get started efficiently. Best regards, Mykhaylo

@mughiraaa

Hello, I have reviewed the details of your project. i can set up this payment module as a clear rest api that your saas can call directly. i will work with node.js since it keeps the service fast and easy to maintain. the api will expose endpoints for create customer create payment method charge refund and query. each call will return simple json so your platform can read responses without extra parsing. for echeck and ach handling i will connect the service to the us banking rails through a secure gateway and follow the full flow of authorization verification and settlement. i will add a verification step that confirms routing and account numbers before any charge is queued. each transaction will store state changes in a data layer based on postgres so recurring cycles can run on predictable intervals. to run recurring charges i will set up a scheduler inside the node.js service using a stable cron engine. this scheduler will read stored billing rules amount interval and start date then create new charges when each cycle is due. every state change will trigger a webhook call to the callback url you provide. the webhook sender will sign each payload with a shared secret to give your platform a safe way to confirm they came from this service. Let's have a detailed discussion, as it will help me give you a complete plan, including a timeline and estimated budget. I will share my portfolio in chat I look forward to hear from you. Thanks Best Regards, Mughira

@developper69

Good Day! You need a robust backend module to handle eCheck and ACH payments with full customer authorization, recurring billing, and real-time notifications, delivered as a self-contained REST API. I can build this in Node.js/Python/PHP with clean, well-documented endpoints, Postman collection, and a walkthrough for setup and webhook testing. Regards Muhammad M.

@maksymh31

Hello, I will deliver a self-contained REST API (Node.js or Python) that accepts eChecks and ACH, handling customer authorization, bank verification, NACHA-compliant settlement, and instant state notifications via secure webhooks. My approach: implement endpoints for create-customer, create-payment-method, charge, refund, and query; provide micro-deposit + optional instant verification (Plaid) for bank auth; generate and submit ACH/NACHA batches with settlement bookkeeping; and implement configurable recurring billing using a reliable job scheduler (Bull/Celery) with idempotency and retry logic. Webhooks will include signed JSON payloads and clear delivery/retry semantics. Deliverables: private Git repo, Postman collection, README (setup/env/examples), and a screencast/handoff. To start I need your preferred language, sandbox ACH processor credentials (or permission to create test accounts), and a webhook test URL. Do you already have a preferred ACH processor or bank sandbox account (or should I recommend one), and which language do you prefer: Node.js or Python? Best regards,

@NEHABHAT92

Having spent over 9 years in web and mobile app development, I understand the intrinsic value of clean code and a smooth user experience. Excelling in languages like Node.js and PHP, your payment processing system would be my perfect opportunity to deliver a result-oriented solution that aligns consistently with your vision. Your request for a REST API with endpoints for different functionalities is a task I've executed repeatedly. Moreover, I have both the technical expertise and the understanding of financial processes to ensure robust approaches towards customer authorization, bank verification, and settlement. Whether it's recurring billing cycles or real-time payment notifications, rely on me for a seamless user experience and rock-solid backend logic that empowers you to update order status instantly. My commitment does not end with delivery either; I offer free support for three months post-development. From structuring a clean Git repository to crafting comprehensive documentation, rest assured that every detail will be meticulously addressed. Let's connect and discuss how I can bring your bespoke eCheck and ACH gateway to life while exceeding your expectations at every turn

@devbaloni1983

Hello, I am a Python Developer with 15+ years of experience in building robust, scalable, and efficient backend systems. I specialize in API development, automation scripts, data processing pipelines, and integrating third-party services to deliver reliable and high-performance solutions. Recently, I worked on advanced OpenAI API integrations for automated content generation, workflow automation, and intelligent data handling—demonstrating my ability to adopt and implement cutting-edge technologies. If you are looking for a dedicated Python expert who ensures quality, clean architecture, and timely delivery, I’d be glad to work on your project.