Verify and Accept Digital Checks Securely

Seamless Chex is a full-service eCheck payment processing platform.

You can instantly verify your customers' bank accounts and accept digital checks with next-day deposits directly into your bank account.

Discover what makes Seamless Chex the best eCheck payment processing provider.

Sign up and start debiting bank accounts today!

Sign Up Now
Verify & Accept Digital Checks Securely

We’re trusted and loved by customers

A+
Accredited business bbb
4.8/5
Trustpilot
4.5/5
Merchant Maverick
5/5
Top Credit Card

How it works

Capture Customer's Bank Information

Capture Customer's Bank Information

Payment is Verified Instantly

Payment is Verified Instantly

Funds are Deposited into your Bank Account

Funds are Deposited into your Bank Account

Our Core Features

Simplify your payments today.

Sign Up
  • Same Day Setup
  • No Transaction Limits
  • Same or Next Day Deposits
  • Verify your first check for free
  • No Reserve
Avoid Abusive Credit Card Processing Fees

Avoid Abusive Credit Card Processing Fees

Seamless Chex was founded to reduce underwriting hurdles and payment processing fees. As we all know, credit card processing fees add up and create a significant strain on finances.

With Seamless Chex you can securely verify and accept eChecks online with confidence for a fraction of the fee you are currently paying.

Enjoy 99.1% Approval Rates

Enjoy 99.1% Approval Rates

With over 99% approval rates, almost all businesses can stop waiting for checks in the mail.

We cater to high ticket and hard to place business types. Debit your customer's bank account and receive same or next day deposits without breaking the bank.

and many more...

Seamless Chex Plans and Pricing

Same or Next Day Bank Deposits
Sign Up
eCheck Processing
  • No Setup or Cancellation Fees
  • No Reserve
  • No Transaction Limit
  • Monthly: Starts at $24.99
  • Per Transaction:
    As low as .75%*
Enterprise
Contact sales
Get a Quote
If you are doing over $100,00 in transactions a month - Contact Sales to:
  • Accept unlimited checks
  • Advanced verification
  • Manual check entry
  • Payment Links
  • Recurring billing
  • Access to our API
  • Bank balance confirmation
Enterprise
Contact sales
For high volume needs
  • Accept 25 checks/mo
  • Basic verifications
  • Manual check entry
  • Create request a check link
  • Recurring billing
  • Access to our API
  • Bank balance confirmation
Get a Quote

*High risk businesses may be priced higher, low risk businesses may be priced lower

Join thousands of businesses that trust Seamless Chex

  • 10+

    Years in Business

  • Billions

    of Dollars Processed

  • Millions

    of Transactions
    Verified

  • $2MM+

    Saved on Postage

You’re in good company

Seamless Chex is loved and trusted by thousands of business owners for accepting and sending payments

As a business owner, Paynote has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.

Clifford Parker
Clifford Parker
CEO @Parker Insurance

Seamless Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.

Marek Zribko
Marek Zribko
Manager @Omar Mediterranean Cuisine

Seamless Merchant has been great at keeping our payment processing fees at an absolute minimum.

Jared Lubel
Jared Lubel
President @Ruby & Jenna

Thanks to the insightful advice and great service offered by the team at Seamless Merchant, our ecommerce business operates more efficiently.

Hakan Lindskog
Hakan Lindskog
Chief Operating Officer NeuroHacker Collective

eCheck verification has reduced returned checks for our clients by 63% resulting in thousands saved on bank fees. They also offer A+ developer support!

J.W. Epply
J.W. Epply
CEO @Connected.co

Very reliable verification and great customer service. Customer Support is always responsive and available.

Rory Marks
Rory Marks
Managing Partner @Central Diligence Group

Paynote has helped to significantly reduce the number of checks we have to put in the mail, saving both money & time.

Alon Alexander
Alon Alexander
President @Kent Services

We have over 90 locations and Seamless Chex helps us collect out money faster, easier and more efficiently.

Phil Levi
Phil Levi
Credit & A/R Manager@ Parts Authority, Inc.

Excellent service! Sending invoices with Paynote has significantly reduced A/R by letting our customers pay online.

Sam Ende
Sam Ende
CPA @Raich Ende

Malter & Co.

Seamless Chex helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.

Justin Mitchell
Justin Mitchell
Founder, Owner@ SoFriendly

Paynote allows us to easily request one time and recurring rent payments from our tenants.

Sam Katz
Sam Katz
Executive Director@ Roxann Realty

Seamless Chex has made it easy for our business to receive funds the next day from our clients.

Tiffany Kapp
Tiffany Kapp
Managing Partner@ Custom Business Solutions

Every small business needs Paynote! Paynote's allowed me to send and receive payments quickly, securely, and reliably.

Jeff Swersky
Jeff Swersky
Owner @Jeff Swersky Consulting

Seamless Chex has been an invaluable addition to our company. It has drastically reduced the time to receive.

Alim Sunderji
Alim Sunderji
COO @Sleeptronic @Parker Insurance

Ready to get started?

Begin accepting and sending payments today.

Discover The Payment Processing Solution That's Right For You

E-check
Debit bank accounts via eCheck and ACH
Sign Up
Paynote
Accept Verified ACH payments and send payouts
Sign Up
Merchant Service
Accept Debit and Credit Card payments
Sign Up

Revolutionize payment processing forever -

Start accepting and sending payments today.