ACH utility for PHP

I've written a utility (more at http://www.terracottasoftware.com/packageinfo/utilach.html ) which may be of interest to PHP developers doing ecommerce applications. It is an interface to the NACHA file format, which is used by the Automated Clearing House banking system to do electronic funds transfers. ACH is a fast, cheap way to do electronic payments (better than credit cards). If you are interested, the utility is packaged with the Terra Cotta system ( http://www.terracottasoftware.com ) but also works standalone. There are two scripts: a full ACH interface and a simplified API script which provides a reduced and hopefully easier to use interface to the format. The scripts have been tested on live ACH transactions with Citizens' Bank, so I know they work there, but they may need a little tweaking depending on the weirdnesses that other banks impose. Also, there is documentation ( http://www.terracottasoftware.com/tc/doc/ach.html ) which describes the NACHA file format in detail. Some of the information in the official documentation appears to be incorrect, as discovered through iterative testing (grrrrr) but the docs and code comments should leave a trail regarding that. The scripts are under GPL, as is the whole Terra Cotta system. You can read more at http://www.terracottasoftware.com/packageinfo/utilach.html As far as I can tell, this is the only ACH utility in any language available under any open source license on the web. -Greg Billock