Checkbook.io ACH API

What Checkbook.io ACH API is

Checkbook.io ACH API helps businesses send funds directly to recipients’ bank accounts using routing and account numbers. Payments can be initiated through the API or Checkbook’s online dashboard. Recipients can also receive a Digital Check by email and verify their bank account for deposit. Checkbook says it handles compliance so businesses do not need to store recipients’ sensitive banking information, and it automatically reconciles failed transactions, including those caused by incorrect account details. Its ACH documentation describes standard settlement as typically taking 1–3 business days; eligible same-day ACH settles on that business day. QuickBooks Online and AccountingSeed are listed as pre-built integrations. The QuickBooks connection can start Checkbook payments from QuickBooks Online and update records with associated payment numbers. The ACH Payments option starts at $1 per payment, with delivery in up to three business days. The Business plan costs $2,000 a month and includes API access, payments, invoices, support, a dedicated customer success manager, and a private Slack channel. Enterprise pricing is custom. Checkbook says production data is held in a physically secure, PCI DSS compliant off-site data center, and server access uses encrypted network channels.

Who it suits

Checkbook.io ACH API is aimed at businesses that need to pay recipients by bank deposit, including landlord and freelance marketplaces, gig economy platforms, and accounting platforms. It may suit teams that want API or dashboard disbursements and a QuickBooks Online or AccountingSeed integration.

Limits

The default Digital Check limit is $2,000 per transaction, $2,000 per 24 hours, and $15,000 per month; increases are available by contacting support. ACH Payments are listed at $1 per payment, with delivery in up to three business days.

Getting started

1. Visit https://checkbook.io/ach-api.
2. Choose ACH Payments at $1 per payment or review the Business plan at $2,000 a month.
3. Use the API or online dashboard to initiate disbursements.
4. For API requests, authenticate with API keys and keep secret keys private and stored securely server-side.
5. Connect QuickBooks Online or AccountingSeed if applicable.

Verdict

Checkbook.io ACH API suits businesses sending bank payments at scale through an API or dashboard, especially those using its listed accounting integrations. The $1 per payment ACH option may fit individual disbursements, while the Business plan starts at $2,000 a month; buyers needing higher Digital Check limits must contact support.