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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'

There is a bug in Savon's XML parser that can affect you if you are intending to serialize any of Laundry's objects to YAML. For the time being, adding the following line to your Gemfile can resolve this:

gem 'nori', git: '' # Fixes some YAML serialization issues.

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:

.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