We need four functions created in PHP.
The first should process an authorization & capture of a credit card payment on Authorize.Net.
The second should process a transacation of a eCheck payment on [url removed, login to view]
The third should process an authorization & capture of a credit card payment on Paymentsgateway.net.
The fourth should process an ACH transaction on [url removed, login to view]
The functions should accept basic payment information as their input (first name, last name, address, city, state, zip, country, amount, comments, and card information or bank account information).
The functions should return basic xml that states whether the transaction was successful or not. If the transaction was not successful, then it should also return the reason that is returned from the processor.
Please see the attached documents that layout the API's used by these two processors.