Some of the major payment processing companies provide ACH services which would simply require the users' routing and checking account number. A few years ago

Some of the major payment processing companies provide ACH services which would simply require the users' routing and checking account number. A few years ago I used Cybersource and they provided ACH transfer, I think it was like $.10 per transaction which was much cheaper than CC charges. http://www.cybersource.com/products_and_services/global_payment_services/electronic_check_processing/howitworks.php http://www.cybersource.com/products_and_services/global_paym... Good luck!