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Hey a lot of banks uses MIG's to have a merchant gateway solution, I know our bank ANZ certainly do. I have had written by ali the "ANZ Gateway" for XPayment 1.5x
If your bank has a MIG's interface then this gateway will certainly work for it, means you can bill directly to your bank account.
Download:
anz-gateway-xpayment-xoops.zip (15Kb)