No. 14 of 21 ·ACH Payment Processing Software

Checkbook.io ACH API

Name: Checkbook.io ACH API
Price: 1 USD

Web · API · paid plans from $2,000/mo

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Freedom report

One barScore 5.0

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Checkbook.io ACH API is ranked #14 of 21 in ACH payment processing software on Freedom251. It runs on API, Web. There is no free plan. Paid plans start at $2,000/mo.

Checkbook.io ACH API plans and pricing

All plans

ACH Payments $1 once Starting at $1 per payment Delivery ≤ 3 business days · US business days · bank account deposit checkbook.io · 29 Sept 2026

Business $2,000/mo $2000/month Payments, invoices, multi-party checks · ACH and other deposit options · API access · live support, dedicated CSM, private Slack channel checkbook.io · 29 Sept 2026

Enterprise Not published Custom Custom solution and pricing · full availability of features checkbook.io · 29 Sept 2026

Compared on ACH payment processing software

Free plan: No
Paid from: $2,000/mo
Recurring ACH payments: Yes
ACH credit support: Yes
Same-day ACH: Yes
API access: Yes
Webhook support: Yes
ACH transaction limit: 2,000 USD

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The record

ACH disbursements: The ACH API sends funds directly to recipients’ bank accounts using their routing and account numbers.
Dashboard: Users can disburse ACH payments through the API or Checkbook’s online dashboard.
Recipient flow: Recipients can receive a Digital Check by email and verify their bank account for deposit.
Failed payments: The ACH page says Checkbook automatically reconciles failed transactions, including those caused by incorrect routing or account numbers.
Bank data: The ACH page says businesses do not need to store recipients’ sensitive banking information because Checkbook handles compliance.
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.
Integrations: Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations.
QuickBooks: The QuickBooks integration initiates Checkbook payments from QuickBooks Online and updates records with associated payment numbers.
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.
API keys: The API documentation says requests require authentication and secret keys should be kept private and stored securely server-side.
Support: The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans.
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.
Intended users: Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms.
Headquarters: San Mateo, California, United States
Price from: $2,000/mo

Where it ranks on Freedom251

Best ACH Payment Processing Software in 2026#14 of 21

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Sources

checkbook.io/product/payments/ach/· checked 29 Sept 2026
docs.checkbook.io/docs/rails/us/ach/· checked 29 Sept 2026
checkbook.io· checked 29 Sept 2026
docs.checkbook.io/docs/integrations/quickbooks/· checked 29 Sept 2026
checkbook.io/pricing/· checked 29 Sept 2026
docs.checkbook.io/docs/api/authentication/· checked 29 Sept 2026
checkbook.io/ach-api· checked 28 Sept 2026
checkbook.io/product/payments/· checked 29 Sept 2026