I'm considering pursuing a marketplace business idea that would involve facilitating ACH payments directly from customer A to customer B (without my company in the middle). For a few reasons I can't just use Stripe/Dwolla/etc.
There's some good info online about this (see Gusto's helpful post [1]) but for the first step of partnering with a bank, they all basically just say "You have to find a bank willing to serve as your ODFI."
So my question is, does anyone know what that process is like, and how hard it is? Do I just make a business account with Wells Fargo or SVB and then request this service? What are my chances of approval? Anything else I can expect from the process? Any advice would be much appreciated.
[1] https://engineering.gusto.com/how-ach-works-a-developer-perspective-part-1/