Digital Payment

Documentation | Checkbook

Overview

Our digital check solution makes payments quick and easy. Simply enter the recipient's name, address, and the amount, that's it!

Recipients instantly receive an email with your branding and can choose their payment preference (ACH, Push to Card, Virtual Card, Printable Check, Mailed Check). The options are configurable and can be adjusted in your Account Settings. If you want to hide particular options, like Paper Check, you can easily do so.

Go to the Send a Check page on Checkbook.io

We Also Offer Check21 Processing

Check21s are similar to ACH in that they move money from one bank account to another account. However, they use the Check21 rails for settlement and clearing. Here are some of the differences:

  • Check21 will have Check number and image of the Check in the Payor bank account as opposed to ACH which will have 16 characters of text.
  • Check21 conforms to UCC regulations, which has a more cumbersome dispute process and shorter chargeback window.

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Payment Options

Consult the Check Options page page to see how you can add a PDF attachement to your check, or make a recurring payment.

API Basic

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Verified Bank Account Needed

In order to be able to send checks, you need to have a verified bank account in our system. Please refer to the Add a Bank Account section for instructions about adding a bank account to your Checkbook.io profile.

The API reference for sending a Digital Check can be found here. The interactive form allows you to test the API endpoint in our demo environment right from the reference page. Here's an example of a request:

Request

curl --request POST  \
--url 'https://demo.checkbook.io/v3/check/digital' \
--header 'Content-Type: application/json' \
--header 'Authorization: d6aa2703655f4ba2af2a56202961ca86:dXbCgzYBMibj8ZwuQMd2NXr6rtvjZ8' \
--data '{"name":"Widgets Inc.","recipient":"[email protected]","amount":5.00}'

Response

{
    "amount":5,
    "date":"2019-06-10 15:43:53",
    "description":NULL,
    "id":"b241eb8ff0b34e0cabfb98bde4366740",
    "image_uri":"https://checkbook-checks-dev.s3.amazonaws.com/2b67bde0-95c9-46ed-8ff0-1addc5357f1a.png",
    "name":"Widgets Inc.",
    "number":8239,
    "recipient":"[email protected]",
    "status":"UNPAID"
}

The description field can be 2054 characters long. For descriptions over 80 characters, we will automatically generate a link with the full remittance info.

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Note

The previous request is for the demo environment. You will need to use either the sandbox endpoint if you want to send test checks, or the production endpoint if you want to send real checks.


What’s Next