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Business Account

Build a robust platform for payments and receivables without lifting a finger.

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We Are Checkbook, Inc.

Dedicated to changing the way you make and receive payments.

PJ Gupta

Anthony Sanchez

JP Carroll

Gerrit Hall

Saloni Singal

Siddhartha Sriramoju

Cosmin Molea

We're Hiring

Free for Individuals
(First 3 Digital checks every month are free, subsequently $1/Check, billed monthly)

$1/Check for Businesses
(First 3 Digital checks free for one time use only. Subsequently all Digital Checks billed $1/Check, billed monthly. Email us at support@checkbook.io if you are doing more than 500 Checks/month for volume discounts)

  • Simple pricing, no sign-up fees
  • No monthly minimums or any recurring fees
Try It For Free

Currently we work between Banks and Credit Unions in the United States only.

Checkbook is solving a major problem in payments: Paper Checks. We've built a way for individuals and businesses to send and receive Digital Checks with a few simple clicks. We are a passionate team of developers and payments experts attacking a big space. There were 19.2 billion Paper Checks sent in the United States alone in 2013 according to the Federal Reserve."

What is Checkbook?

Checkbook is a secure payment solution that is changing digital transactions, providing consumers with an easier and more secure way to make mobile and online purchases. Instead of using easily compromised Credit/Debit Card data, consumers can pay safely online with Digital Checks wherever Checkbook’s payment systems are accepted.

How secure is Checkbook?

Data security is top priority at Checkbook. Our infrastructure was built from the ground up with stringent security checks. Our system architecture combines data encryption with tokenization to keep data secure at all times throughout the transaction process, providing a secure buyer experience while minimizing risk and reducing compliance costs for your business. Our founders helped define Security Standards at Visa and brought this knowledge to the development of Checkbook’s security standards.

How does Checkbook securely store customer data?

Checkbook stores all production data in a physically secure PCI DSS (Payment Card Industry Data Security Standard) Compliant off-site data center. In addition, all access to Checkbook's servers is through encrypted network channels. Finally, Checkbook has strict policies for access control that limit who can access data and when.

How is the movement of data controlled between Checkbook and the merchant’s website?

Communication between the merchant's portal and Checkbook occurs via secure protocols, i.e. over SSL. All movement of data between the merchant site and Checkbook is encrypted and transmitted over SSL. Checkbook uses API keys for each merchant, thereby reducing any possibility of tampering. The merchant's API key is secured by the merchant.

What is the end user’s liability if Checkbook’s datastore is compromised?

The end user bears no financial liability; however, non-financial personal data such as name, phone, address, etc. may be available. The probability of a breach is extremely low given the multiple steps Checkbook takes to protect data: 1. All data is stored on servers in a certified data center. 2. All data is encrypted during transit. 3. A limited number of individuals have access rights to the data.

How can Checkbook verify my Bank information without storing it?

Checkbook POSTs your bank login credentials directly to your bank using certified and audited APIs from bank vetted institutions. At no time are your login credentials stored anywhere in Checkbook’s servers. Your Routing Number and Account Number are the only financial information that is stored on Checkbook's servers

What additional steps does Checkbook take to mitigate fraud?

Checkbook has fraud detection at every level of a transaction designed to protect both merchants and consumers. Limits and velocity checks are standard for each transaction at the user level and at the time level. In addition, Checkbook employs pattern checks for additional fraud control. All applications and modules developed by Checkbook follow secure coding guidelines, including those recommended by OWASP.

For more information, please check our Security page.

Please find our most current Terms and Conditions


Q: Are Digital Checks legal?

Per Federal UCC codes, a check printed on any paper is a legally valid instrument as long as its compliant with check standards. Any check can be converted into a digital transaction, or vice versa, a digital transaction can be converted into a check

Q: How secure are Digital Checks?

Please read our full Security Document to learn more about Checkbook's aggressive security measures.

Q: How are Digital Checks different from e-checks ? e-checks have been around forever - what's new here ?

Digital checks can transmit payment digitally or be printed and used as a paper check, while e-checks merely convert check information into an ACH file. As a result, e-checks suffer many pitfalls: it’s cumbersome to fetch Routing and Account Numbers, accounts aren’t verified in real-time, and funds aren't guaranteed within a three business day settlement delay.

Users of Digital Checks, in contrast, can verify their account information in real-time by logging into their bank. This also means You never need to go looking for your Routing or Account Numbers. Additionally, Digital Checks can provide overnight settlement by utilizing the “Check21” process.

Q: When do I receive my funds?

Depending on the creditworthiness of the sender, you will get the amount deposited in your account the next day or the morning of the forth working day. Either way we'll tell you upfront when you should expect your deposit.

Q: Does this work internationally or only in the United States?

Checkbook is currently limited to banks in the United States.

Q: Do you have a preference whether I deposit the check online or print out the check?

We believe "Depositing Online" is a simpler and superior option. This way you don't have to keep any paper records. Digital records are available in the cloud forever. There no danger of paper check being lost and both sender and receiver can track each others payment status.

Q: What information do I need to provide to Checkbook to get started as a business?

For businesses we need your name, physical address, email, tax id, website (if you have one), and the date of birth + last 4 digits of SSN for at least one officer of your business

For more information, please check our detailed FAQ page.

Please check our privacy policy for more information about how we protect your privacy.


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