Hey Ray. I have a sample code from them but I do not know what you mean by "implement it." Do I do this on the same page as a normal payment gateway? Are one of the options a general one for all banks? Do you mean that I should choose authorize.net and then use the code I got from the bank? I am under the impression that this would entail authorize.net charging me fees for using them as opposed to just doing it through my bank.