Checkbook.io ACH API

Spec sheet

Intended users

Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms.Read 29 Sep 2026 · checkbook.io

Integrations

Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations.Read 29 Sep 2026 · checkbook.io

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.Read 29 Sep 2026 · checkbook.io

Support

The pricing page lists live support, a dedicated customer success manager, and a private Slack channel for Business and Enterprise plans.Read 29 Sep 2026 · checkbook.io

Headquarters

San Mateo, California, United StatesRead 28 Sep 2026 · checkbook.io

ACH disbursements

The ACH API sends funds directly to recipients’ bank accounts using their routing and account numbers.Read 29 Sep 2026 · checkbook.io

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.Read 29 Sep 2026 · docs.checkbook.io

API keys

The API documentation says requests require authentication and secret keys should be kept private and stored securely server-side.Read 29 Sep 2026 · docs.checkbook.io

Bank data

The ACH page says businesses do not need to store recipients’ sensitive banking information because Checkbook handles compliance.Read 29 Sep 2026 · checkbook.io

Dashboard

Users can disburse ACH payments through the API or Checkbook’s online dashboard.Read 29 Sep 2026 · checkbook.io

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.Read 29 Sep 2026 · checkbook.io

Failed payments

The ACH page says Checkbook automatically reconciles failed transactions, including those caused by incorrect routing or account numbers.Read 29 Sep 2026 · checkbook.io

QuickBooks

The QuickBooks integration initiates Checkbook payments from QuickBooks Online and updates records with associated payment numbers.Read 29 Sep 2026 · docs.checkbook.io

Recipient flow

Recipients can receive a Digital Check by email and verify their bank account for deposit.Read 29 Sep 2026 · checkbook.io

Plans and prices

Every Checkbook.io ACH API plan and price →

Where Specifiction places it

• ACH Payment Processing Software#11 of 217.7