ACH Automated Clearing House Processing

I would need desktop software developed in ANY programming language (YOUR choice!), executable without installation and must work on Windows, that can process ACH (Automated Clearing House) direct debits and direct deposit those debited funds. EXTREMLY IMPORTANT is that the software will NOT, i repeat NOT, only create ACH File which then needs to be uploaded to either bank or credit union. This is completely useless. The software must either: - physically transmit the funds: debit them on "sender" side and deposit them on "receiver" side OR - send the direct debit + deposit request in the NACHA network and then this request is automatically forwarded to either bank or credit union. Transaction has to be automated. No human should be involved. Basically I am requesting alternative to OPENACH. You can read more about it here: [login to view URL] where you can feel free to browse the website, e.g.: [login to view URL] [login to view URL] [login to view URL] [login to view URL] [login to view URL]