Do-it-yourself ACH direct deposit  About Nathan Blecharczyk  One
of the most frequent implementation questions that I am asked by
entrepreneurs is how does Airbnb make ACH direct deposits into
customers’ bank accounts. There seems to be a wave of
transactional marketplaces being built and everyone wants this
capability. Surprisingly, there were few, if any, plug-and-
play providers of this service when I implemented our solution
for Airbnb, though I do know multiple companies who are building
products around this now.  The do-it-yourself solution is quite
straightforward though. Most commercial banks have an interface
that can be activated by request that allows you to make ACH
deposits. Like many startups in the Bay Area, we are a customer
of Silicon Valley Bank, and, as a result, our original
implementation used the SVBeConnect ACH Service. Each day our
system would output a CSV file that contained batched deposit
instructions (basically amount and beneficiary account details).
Each weekday someone in our of