USA Finance Expert - Automated Clearing House ACH

Looking for USA citizen, expert in finance for paid consulting. I want to know, step by step procedure, how exactly can I create ACH direct debit request and transmit this request to ACH Network (nacha?) for automated processing of money transaction. From sender account funds must be debited and those debited funds must physically arrive to recipient bank account. Both type of accounts must be considered on BOTH sender and recipient account: personal type (either joint [multiple account holders] or not joint [one account holder]) and business type. Usage of ACH Processors is NOT possible because they simply require too much documentation and can work with only business accounts on recipient side, while I require that on recipient side may also be personal account. This consulting project is for everyone who have experiences in knowledge in ACH direct debit, ACH direct deposit and who knows how to create the request and how to transmit it to ACH network. I am searching for a tutor. Transmitting via Treasury departments of USA financial institutions is NOT possible! After I receive a lesson from you, I must be able to transmit the request directly to ACH network. It is very important that following your explanation the cause of work will be physical transmission of funds from sender account where debit happens to recipient account where debited funds must arrive. Any questions? You are welcome to ask.