Our API, it's really simple. Get your keys from sandbox and start playing around.
Dedicated to changing the way you make and receive payments.
Checkbook is solving a major problem in payments i.e. paper Checks. We've built a way for individuals and businesses to send and receive Digital Checks with a few simple clicks. We are passionate team of developers and payments experts going after a big space. According to the Federal Reserve in 2013 alone there were 19.2 billion paper Checks sent in the United States alone."
Currently we work between Banks and Credit Unions in the United States only.
What is Checkbook?
Checkbook is a secure payment solution that is changing digital transactions, providing consumers with an easier, more secure way to make mobile and online purchases. Instead of using easily compromised Credit/Debit Card data, consumers can simply pay by online Digital Checks, wherever Checkbook’s payment systems are accepted.
Cutting Edge Security.
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. Provide a secure buyer experience while minimizing risk and reducing compliance costs for your business. Our founders help define Security Standards at Visa and bring that knowledge to the development of Checkbook’s security standards.
How does Checkbook keep customer data secure?
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 over SSL. Checkbook uses API keys for each merchant, thereby reducing any possibility of tempering. 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 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 is the only financial information that is stored on Checkbooks’ servers
What additional steps does Checkbook take to mitigate fraud?
Checkbook has fraud detection at each 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.
Q: Is this legal ?
Per Federal UCC codes a Check printed on any paper as long as its compliant with Check Standards is a legally valid instrument. A Check can be converted to a Digital Transaction or vice versa a Digital Transaction can be converted to a Check
Q: How secure it this ?
Q: How are Digital Checks different from e-checks ? e-checks have been around forever - what's new here ?
eChecks simply convert check information into an ACH file. They suffer many pitfalls: it’s cumbersome to fetch Routing and Account Numbers, accounts aren’t verified in real-time, and funds are not guaranteed during a three business day settlement delay.
By contrast, with Digital Checks users verify their account information in real-time by logging into their bank. Further, Digital Checks™ can provide overnight settlement when utilizing the “Check 21” process. You never need to go looking for your Routing Number and Account Number
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 which one it'll be so you know exactly when to expect the funds
Q: Does this work in the United States only or is it International
For now its limited to bank in the United States only
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 easier option. This way you don't have to keep any paper records. Digital records are always available in the cloud forever. There no danger of paper Check being lost and both sender and receiver can track each others payment status.
For more information, please check our detailed FAQ page.