Send and Accept Verified ACH Payments Online

Start securely sending and receiving ACH payments online, verified by Plaid, in just three easy steps. With Paynote, you can optimize your finances, enhance cash flow, and eliminate payment-related challenges. Join us today and experience the future of efficient ACH payments.

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Send & Accept Verified ACH Payments Online

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Streamline Your Accounts Payables and Accounts Receivables

Tired of dealing with cumbersome payment processing solutions that don't cater to your business needs? Say hello to Paynote, the simplest solution for sending and receiving verified payments online through ACH.

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

Instant Account Setup

Our user-friendly online application doesn't involve any credit checks. Experience a straightforward application procedure and speedy eSign process, ensuring approval in 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 payments 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

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

Paynote Plans

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
Send:
  • Email Payments
  • Mass Payouts
  • ACH Direct Deposit
Accept:
  • Verified ACH Payments
Features:
  • Standard Transfers
  • Marketplace
Sign Up
Enterprise
Send:
  • Email Payments
  • Mass Payouts
  • ACH Direct Deposit
Accept:
  • Verified ACH Payments
Features:
  • Next Day Transfers
  • Marketplace
Contact Sales

You’re in good company with our card processing services

Thousands of business owners trust Seamless Chex to help them accept and send online 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 Your Business

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 customer payments today.

FAQ

How Do I Accept ACH Payments Online?

To accept ACH (Automated Clearing House) payments online, follow these four steps:

1. Set up a Merchant Account

The first step is to set up a merchant account with a bank or payment processor, like Paynote, that supports ACH transactions

2. Gather Customer Information

Collect the customer information you need to process ACH payments. This usually includes the customer’s name, bank account and routing number, and address. You’ll also need authorization to debit the customer’s account.

3. Choose an ACH Processing Method

Next, choose the ACH processing method that suits your needs. Here are a few of the most common:

  • Virtual Terminal: Virtual terminals allow you to enter customer payment manually into an online interface - like our proprietary Paynote Portal.
  • Payment Gateway: A payment gateway integrates directly with your online store or website, allowing customers to make ACH payments through your site. It’s easy, efficient, and convenient.
  • API Integration: If you feel more comfortable with more advanced integration, you can connect an ACH payment API (like our Paynote API) to your website or application.
4. Implement ACH Payment Processing

Finally, follow the provided instructions on your chosen ACH payment method. These instructions will allow you to integrate the ACH solution into your website or system and start accepting ACH payments online.

Can Anyone Accept ACH Payments?

If you want to accept ACH payments, you need a merchant account or an account with a payment processor that supports ACH transactions.

These accounts are provided and supported by banks or third-party processors, like Paynote, which may enforce their own eligibility requirements and restrictions - depending on the provider you choose.

While individuals and businesses can usually set up ACH payment acceptance systems, it’s important to note that the significant requirements vary.

Some payment processors, for example, require a particular duration of business history or a specific level of creditworthiness or transaction volume before they allow you to start accepting ACH payments.

How Do I Set Up ACH Payments On My Website?

To set up ACH payments on your website, follow these seven steps:

  • Choose an ACH payment processor
  • Create an account with your ACH payment processor of choice
  • Obtain API Credentials
  • Customize the payment experience through your payment processor
  • Test the integration
  • Double-check (and test) security and compliance features
  • Provide customer support

In addition to the steps above, remember to review and comply with all legal and regulatory requirements associated with receiving ACH payments in your jurisdiction.

While the steps above are a general guideline, it’s important to note that specific steps may vary depending on the website platform you’re using and the ACH payment processor you’ve chosen to integrate.

As such, we recommend consulting your payment processor's documentation and support resources since these documents will provide more detailed integration instructions tailored to their services.

How Much Does It Cost To Accept ACH Payments?

There’s no one-size-fits-all rule for how much ACH payments cost. In fact, the cost changes depending on variables like which payment processor you’re using, which merchant service provider you choose, and your specific business needs. 

Here are some common variables to consider:

  • Transaction Fees. ACH transaction fees tend to be lower than credit card transaction fees. In most cases, they range from a few cents to a small percentage of the total transaction amount. Some providers charge a flat fee per transaction, while others provide tiered pricing based on total transaction volume.
  • Monthly Fees. Some payment processors charge a monthly fee to cover access to their ACH payment services. This fee varies based on the provider and the features the provider is offering. Suppose you’re working with a platform that charges monthly fees. In that case, we recommend evaluating the fee carefully and considering whether it’s cost-effective (based on your transaction volume) in the long term.
  • Setup or Integration Fees. Some providers charge one-time setup integration fees to cover the costs of onboarding a new account and integrating the ACH payment solution into your systems or website. That said, not all providers charge a setup fee, so we recommend comparing your options carefully.
  • Return or NSF Fees. If an ACH transaction is returned because of insufficient funds or other reasons, the return may involve associated fees. These fees can vary depending on the provider. However, the provider usually passes those fees along to the merchant.

Whenever you’re evaluating ACH payment software, it’s critical to research and compare pricing structures and fee schedules to find the payment processor that best suits your business needs. Consider factors such as transaction volume, average transaction size, and other specific requirements you or your business may have. 

What Is The Difference Between An ACH Payment And An EFT Payment?

The terms ACH Payment (Automated Clearing House Payment) and EFT Payment (Electronic Funds Transfer Payment) are often used interchangeably. What most people don’t know is that they are not the same thing.

Here’s a quick breakdown of the differences between the two:

  • ACH Payments. ACH payments are electronic funds transfers that pass through the US’s Automated Clearing House network. All ACH payments involve the transfer of funds between bank accounts. Today, people use ACH payments for various transactions, including direct deposits, bill payments, and B2B payments. ACH payments are most popular for domestic transactions within the United States and are subject to the rules and regulations outlined by the National Automated Clearing House Association (NACHA).
  • EFT Payments. Electronic Funds Transfer (EFT) is a broader umbrella term than ACH. EFT encompasses various kinds of electronic methods, including ACH payments. Think of it this way: all ACH payments are EFTs, but not all EFTs are ACH payments. While ACH refers specifically to the Automated Clearing House Network, EFT refers to the electronic transfer of funds between financial institutions or bank accounts. EFTs can be either domestic or international transactions and may be conducted through different networks and systems, including the ACH network, wire transfers, card networks (like Visa or Mastercard), or other electronic payment systems.

To sum it all up, the term ACH payments refers to a specific type of EFT payment that utilizes the ACH network in the United States. The term EFT payments, on the other hand, refers to a much wider range of electronic funds transfers, including but not limited to ACH. EFTs can be conducted domestically and internationally through various electronic payment networks and systems.

Which Documents are Required for Submission?

  • Bank Statement ($5,000)
  • Driver's License
  • Articles of Incorporation
  • Employer Identification Number (EIN)