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Have you ever wanted to use ACH Direct's Payments Gateway SOAP API? Neither did anyone. However, with this little gem you should be able to interact with it without going too terribly nuts.

The goal is to have a lightweight ActiveRecord-ish syntax to making payments, updating client information, etc.

View the Rdoc


Add this line to your application's Gemfile:

gem 'laundry'

Laundry isn't compatible with ruby 1.9.3-p194, due to a bug in that specific release. (More info)

And then execute:

$ bundle

Or install it yourself as:

$ gem install laundry


Merchant Setup

As a user of Payments Gateway's API, you probably have a merchant account, which serves as the context for all your transactions.

The first thing will be to enter your api key details:

merchant ={
  id: '123456',
  api_login_id: 'abc123',
  api_password: 'secretsauce',
  transaction_password: 'moneymoneymoney'


In development? You should probably sandbox this baby:

Laundry.sandboxed = !Rails.env.production?

The Good Stuff

Then you can find a client:

client = merchant.clients.find(10)

Create a bank account:

 = client.accounts.create!({
  ec_account_number: '12345678912345689',
  ec_account_trn: '123457890',
  ec_account_type: "CHECKING"

Or find an existing one:

 = client.accounts.find(1234)

And, of course, Send some money: ruby account.credit_cents 1250

Or take it:

.debit_cents 20000


  1. Fork it
  2. Create your feature branch (git checkout -b my-new-feature)
  3. Commit your changes (git commit -am 'Add some feature')
  4. Push to the branch (git push origin my-new-feature)
  5. Create a new Pull Request