Customer refund via ACH(Electronic)

Hi All,

Current set up we have,  if the customer purchase the product using credit card refund applied to the same credit card. If the customer uses any other payment type, refund has been sent out by check.  Functional user wants to automate non credit card order refund process,  if the customer has banking information on their account it would issue a refund via ACH (electronic).  If the customer does not have banking information then it would process a check. Please assist me to accomplish electronic refund by using public api.

Thanks

Padma