Need to accept payments from a linked checking account. What packages/frameworks/apis are available?

Question

I'm building a payments tool into my site that ideally would be able to link with the customer's personal checking account. It would also have the ability to pay other parties directly into their checking accounts. When you sign up for financial accounts like ING Direct or E-Trade, they are able to link your checking account by taking your account # and routing #.

Does anyone know what payment framework is being used here?

Answer 1

I think Authorize.net has this functionality. Anyone know of others?