Checkbook.io ACH API
Checkbook.io ACH API is a paid service for businesses sending disbursements to recipients’ bank accounts.
What Checkbook.io ACH API is
Checkbook.io ACH API is a paid service for businesses sending disbursements to recipients’ bank accounts. Payments can be initiated through the API or Checkbook’s online dashboard using routing and account numbers. Recipients may instead 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 automatically reconciles failed transactions, including those caused by incorrect account details. Standard ACH settlement typically takes 1–3 business days; eligible same-day ACH settles on the same business day. QuickBooks Online and AccountingSeed are listed as pre-built integrations. The default Digital Check limit is $2,000 per transaction, $2,000 per 24 hours, and $15,000 per month; increases can be requested from support. Enterprise pricing is custom.
Good
- Payments can be sent through an API or dashboard.
- Supports eligible same-day ACH settlement.
- Failed transactions are automatically reconciled.
- Pre-built integrations include QuickBooks Online.
- Recipients can receive Digital Checks by email.
Watch out
- Default Digital Check limit is $2,000 per transaction.
- Standard ACH typically takes 1–3 business days.
Who it suits
Checkbook.io ACH API suits businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms that need to send disbursements. It also lists API access and QuickBooks Online and AccountingSeed integrations.
Verdict
Checkbook.io offers several ways to initiate disbursements and a recipient flow by email. Review the plan pricing, settlement timing, and default transaction limits before choosing it.
Plans and prices
From Checkbook.io ACH API's own pricing page, checked 29 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| ACH Payments | $1, paid once | Delivery ≤ 3 business days · US business days · bank account deposit · Starting at $1 per payment |
| Business | $2,000 a month | Payments, invoices, multi-party checks · ACH and other deposit options · API access · live support, dedicated CSM, private Slack channel · $2000/month |
| Enterprise | Priced on request | Custom solution and pricing · full availability of features · Custom |
The facts
Each one read from Checkbook.io ACH API's own pages, with the date it was checked.
What it does
- ACH disbursements
- The ACH API sends funds directly to recipients’ bank accounts using their routing and account numbers.checked 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.checked 29 Sep 2026
- API keys
- The API documentation says requests require authentication and secret keys should be kept private and stored securely server-side.checked 29 Sep 2026
- Bank data
- The ACH page says businesses do not need to store recipients’ sensitive banking information because Checkbook handles compliance.checked 29 Sep 2026
- Dashboard
- Users can disburse ACH payments through the API or Checkbook’s online dashboard.checked 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.checked 29 Sep 2026
- Failed payments
- The ACH page says Checkbook automatically reconciles failed transactions, including those caused by incorrect routing or account numbers.checked 29 Sep 2026
- Integrations
- Checkbook lists QuickBooks Online and AccountingSeed as pre-built integrations.checked 29 Sep 2026
- Intended users
- Checkbook describes its marketplace offering for businesses such as landlord and freelance marketplaces, gig economy platforms, and accounting platforms.checked 29 Sep 2026
- QuickBooks
- The QuickBooks integration initiates Checkbook payments from QuickBooks Online and updates records with associated payment numbers.checked 29 Sep 2026
- Recipient flow
- Recipients can receive a Digital Check by email and verify their bank account for deposit.checked 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.checked 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.checked 29 Sep 2026
The company
- Headquarters
- San Mateo, California, United Stateschecked 28 Sep 2026
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