Credit card crediting and debiting / ACH crediting and debiting through Api without user interaction

I'm looking for a way to automate a transfer from one credit card to another credit card or from one bank account to ano开发者_如何学编程ther bank account, without the end user having to login to something like paypal or amazon payments to complete the process (by transferring their on-line balance to their bank account).

This is extension to the earlier question.

API For Direct Deposit (ACH, EFT, Whatever)

Anybody solved this. Could you suggest the answer?

[EDIT]

I know that PCI compliant issues will be there to store credit card info in database. So I am checking for an API which saves saves the info and doing crediting and debiting credit card.

Is there any issue to store the bank info in database?

[new]

I saw that there is an api for that. echeck.net which uses ACH network and credit/debits a bank account.

Is it possible to store the bank info in authorize.net server through CIM API, and use them whenever website needs to collect money from consumer, through a script? and through script is it possible to credit the users bank account from website bank account?

I saw that there is an api for that. echeck.net which uses ACH network and credit/debits a bank account.

Is it possible to store the bank info in authorize.net server through CIM API, and use them whenever website needs to collect money from consumer, through a script? and through script is it possible to credit the users bank account from website bank account?

CIM does work with eChecks and should do what you need. See page 9 of the CIM manual for details of the createCustomerProfileRequest API call.