Send and Accept Verified ACH Payments Online

Say goodbye to paper checks forever. Start sending and accepting secure, verified ACH payments online in just three simple steps.

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Send & Accept Verified ACH Payments Online

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Streamline Your Accounts Payables and Accounts Receivables

Sick of dealing with clunky payment processing solutions that don't support your business? Meet Paynote, the easiest way to send and receive digital checks online via ACH.

  • No account or apps needed to download.
  • Recipients never pay a fee.
  • Real-time bank balance verification.
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Instant Account Setup

Instant Account Setup

Our simple online application requires no credit check. Enjoy a straightforward application process and quick eSign to get approved in just minutes.
Instant Bank Verification

Instant Bank Verification

Eliminate bounced checks and lengthy waiting times. Paynote can verify your bank balance and account information in real-time.
Next-Day Transfers

Next-Day Transfers

Our advanced security measure and optimized processing mean you can send money online instantly from your bank account.

How to Send Payments

Enter recipient’s name and email, the memo, and the payment amount
Enter recipient’s name and email, the memo, and the payment amount
The recipient receives an email and connects their bank account
The recipient receives an email and connects their bank account
Funds are transferred to recipient's bank account
Funds are transferred to recipient's bank account

Ways to Send Payments

Ways to Send PaymentsWays to Send Payments

How to Accept Payments

The recipient selects their financial institution
The recipient selects their financial institution

The recipient enters online bank credentials
The recipient enters online bank credentials

The recipient's bank account is verified
The recipient's bank account is verified

Ways to Accept Payments

Ways to Accept PaymentsWays to Accept Payments

Core Features

Want to get started?

Start sending and accepting Verified ACH payments today.

Big or Small, Every Business Needs Paynote

Freelance & Self Employed

Freelance and Self Employed

Send online checks and invoices to clients or vendors instantly and easily. No credit checks or extensive bank underwriting is required.

Save time and money with Paynote - we have affordable pricing options for every budget.

Agencies, Firms, & Small Businesses

Agencies, Firms, and Small Businesses

Pay or bill clients, vendors, contractors, landlords, or anyone else. Use our advanced verification tools to verify client funds before the payment is processed.

Easily balance your books with Paynote’s detailed payment tracking system.

Here’s why your clients and vendors will love Paynote

No account signup or app downloads needed.

Recipients will never need an account or app to pay your invoice or receive a payment.

No account signup or app downloads needed.
No sharing of bank information.

No sharing of bank information.

Paynote securely connects to your bank. No need to share sensitive account information.

100% free for the Paynote recipient.

Clients just click on the link in the email, connect to their bank account, and pay the invoice.

That’s it.

100% free for the Paynote recipient.

Modern bill payments, payouts, and invoicing

What Can I Pay or Invoice With Paynote?

Send money online instantly, no matter the method. Just about anything you can pay by check, credit card, or bank transfer can be paid online with Paynote:

  • Bill clients
  • Pay Vendors
  • Pay Contractors
  • Send Money
  • Receive Money
  • Send Refunds
Bill clients
Pay Vendors
Pay Contractors
Send Money
Receive Money
Send Refunds

We believe in simple, transparent pricing.

Sending $1,000 with:
Estimated Fees:
Paynote
$1
Per Check
$30
Avg. Wire Fee
$10
Avg. ACH Fee
$4-$20
Avg. Check Cost

Seamless Paynote Pricing

Business Pro
$49.99 / month
Enterprise
Contact sales
Send:
Printed Checks $1
ACH $1
Push to Debit
Receive:
ACH Starts at 1%*
Features:
Standard Transfer Speed
Marketplace
Business Pro
$49.99 / month
Send:
  • Email Payments
  • Printed Checks
  • ACH Direct Deposit
Accept:
  • Verified ACH Payments
Features:
  • Standard Transfers
  • Marketplace
Sign Up
Enterprise
Contact sales
Send:
  • Email Payments
  • Printed Checks
  • ACH Direct Deposit
Accept:
  • Verified ACH Payments
Receive:
  • Next Day Transfers
  • Marketplace
Contact Sales

*High risk businesses can be priced higher and high volume businesses can be priced lower. All Plans include API Access, Real-time Tracking, Mass Payouts, Authorized Users, Branded Emails, Friendly Support

You’re in good company

Thousands of business owners trust Seamless Chex to help them accept and send 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.

SeamlessChex 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

SeamlessChex 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

SeamlessChex 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.
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Discover The Payment Processing Solution That's Right For You

E-check
Debit bank accounts via eCheck and ACH
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Paynote
Accept Verified ACH payments and send payouts
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Merchant Service
Accept Debit and Credit Card payments
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Revolutionize payment processing forever -

Start accepting and sending payments today.