- Home
- ACH Payment Processing Software
- Checkbook.io ACH API
Checkbook.io ACH API
San Mateo, California, United States
What it is
Checkbook.io ACH API sends funds directly to recipients’ bank accounts using routing and account numbers. Businesses can initiate ACH disbursements through the API or an online dashboard. Recipients may instead receive a Digital Check by email and verify a bank account for deposit. Checkbook says it automatically reconciles failed transactions, including those caused by incorrect banking details, and handles compliance so businesses do not need to store recipients’ sensitive bank information. Standard ACH settlement typically takes 1–3 business days, while eligible same-day ACH settles that business day. QuickBooks Online and AccountingSeed are listed as pre-built integrations. ACH Payments start at $1, paid once, with delivery within three business days. The Business plan costs $2,000 a month and includes payments, invoices, multi-party checks, ACH and other deposit options, API access, live support, a dedicated customer success manager, and a private Slack channel. The default Digital Check limit is $2,000 per transaction, $2,000 per 24 hours, and $15,000 per month.
For and against
For
- Direct ACH bank deposits
- API and dashboard workflows
- Same-day ACH support
- Failed-payment reconciliation
- QuickBooks and AccountingSeed integrations
Against
- Business plan starts at $2,000 a month
- Digital Check default limit is $2,000
- Standard settlement takes 1–3 business days
- Enterprise pricing is custom
The verdict
Checkbook.io ACH API combines bank deposits, Digital Checks, reconciliation, and business integrations. Its pricing and default transaction limits should be reviewed against expected payment volume.
Who it suits
It suits businesses sending marketplace, freelance, gig-platform, landlord, or accounting-platform payments. API and dashboard options support teams managing recipient disbursements.
Plans and prices
ACH Payments
Delivery ≤ 3 business days · US business days · bank account deposit
Read 29 Sep 2026 · checkbook.io
Business
Payments, invoices, multi-party checks · ACH and other deposit options · API access · live support, dedicated CSM, private Slack channel
Read 29 Sep 2026 · checkbook.io
Enterprise
Custom solution and pricing · full availability of features
Read 29 Sep 2026 · checkbook.io
On the record
- ACH disbursements
- The ACH API sends funds directly to recipients’ bank accounts using their routing and account numbers.checkbook.io · read 29 Sep 2026
- ACH settlement
- The ACH documentation describes standard ACH settlement as typically taking 1–3 business days and eligible same-day ACH as settling the same business day.docs.checkbook.io · read 29 Sep 2026
- API keys
- The API documentation says requests require authentication and secret keys should be kept private and stored securely server-side.docs.checkbook.io · read 29 Sep 2026
- Bank data
- The ACH page says businesses do not need to store recipients’ sensitive banking information because Checkbook handles compliance.checkbook.io · read 29 Sep 2026
- Dashboard
- Users can disburse ACH payments through the API or Checkbook’s online dashboard.checkbook.io · read 29 Sep 2026
- Default limit
- The pricing FAQ states a default Digital Check limit of $2,000 per transaction, $2,000 per 24 hours, and $15,000 per month, with increases available by contacting support.checkbook.io · read 29 Sep 2026
- Failed payments
- The ACH page says Checkbook automatically reconciles failed transactions, including those caused by incorrect routing or account numbers.checkbook.io · read 29 Sep 2026
- Integrations
- Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations.checkbook.io · read 29 Sep 2026
- Intended users
- Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms.checkbook.io · read 29 Sep 2026
- QuickBooks
- The QuickBooks integration initiates Checkbook payments from QuickBooks Online and updates records with associated payment numbers.docs.checkbook.io · read 29 Sep 2026
- Recipient flow
- Recipients can receive a Digital Check by email and verify their bank account for deposit.checkbook.io · read 29 Sep 2026
- Security
- Checkbook says production data is stored in a physically secure PCI DSS compliant off-site data center and server access uses encrypted network channels.checkbook.io · read 29 Sep 2026
- Support
- The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans.checkbook.io · read 29 Sep 2026
