Instantly Send and Receive Digital Checks Online!

Never Send or Receive a Paper Check Again!

Enter recipients name, email, memo, and amount.

Recipient receives email and enters their bank info.

Money is transferred.

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$ Amount
Recipient Name
Recipient Email
Try it free

No account needed or apps to download.

Recipients never pay a fee.

Real time bank balance verification.

Try it free

100% free. No credit card required. Immediate access.

Hate bank and credit card processing fees as much as we do?

Then try Paynote, the easiest way to send and receive bank transfers from clients or vendors.

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See Why Thousands of Businesses and Entrepreneurs Love Paynote

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

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
Kent Services

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

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
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
Founder, Owner

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

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
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 Consulting

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

Alim Sunderji

Try Paynote now for free!

Enter the details below to see how Paynote works.

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Pay or bill clients in three simple steps:

Enter recipients email, name, & amount

Paynote directly emails your clients the check or invoice

Recipient adds their bank information

Your client clicks the link & securely deposits adds their bank information. (They don’t need a Paynote account)

Money is transferred in a snap

The money is deposited within two business days. The recipient pays nothing. No hidden charges - ever.

Bye bye bank & credit card fees.
Try Paynote now.

Try it free
100% free. No credit card required. Immediate access.

What Can I Pay or Invoice With Paynote?

Just about anything you can pay by check, credit card, or bank transfer can be paid with Paynote, including:

Bill Clients
Pay Vendors
Pay Rent
Pay Contractors
Send Money
Receive Money
Pay Doctors
Send Refunds

Big or small - Every business needs Paynote

Freelancers & Self Employed

Easily send and receive money from clients or vendors. No credit checks, tax returns or other paperwork needed to get started.

Agencies, Firms, & 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 you'll love Paynote:

Send Checks

With Paynote, sending one-off or recurring checks is super easy with our intuitive dashboard.

Send Invoices

Paynote creates one time or recurring invoices. We email the invoice to your customer. You get paid!

Recurring Payments

Easily schedule daily, weekly, or monthly payments with a few clicks in the Paynote dashboard.

Next Day Transfers

Paynote offers fast, next day electronic transfers directly into your bank account.

Here's why your clients and vendors will love Paynote:

No account needed or apps to sign up for.

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

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.


Paynote is always free for the recipient, no account needed or apps to download.


$14.99 per month
Send 5 Checks/mo included

Receive Digital Checks For 2%
Send Electronic Invoices
Real Time Check Tracking
Standard Funding
Sign Up


$49.99 per month
Send 25 Checks/mo included

Receive Digital Checks For 1.5%
Send Electronic Invoices
Real Time Check Tracking
Next Day Transfers Available
Sign Up


$99.99 per month
Send 75 Checks/mo included

Receive Digital Checks For 1%
Send Electronic Invoices
Real Time Check Tracking
Next Day Transfers Available
Sign Up

Need more than 75 Checks/mo? Call 888-998-2439 or live chat

Call 888-998-2439

See How Much You'll Save With Paynote

Paynote vs. Bank Wire vs. Bank ACH vs. Paper Checks

Estimated cost to send $1,000

Why so low?

Banks charge high fees simply because they can. Most small businesses owners have no other options. Writing and sending business checks can cost between $4 to $20, based on the price of postage and the employee time writing, mailing, and reconciling the check.
Paynote uses your bank's checking account to send or receive a bank-to-bank transfer. Sending or requesting money through Paynote is like writing or cashing a check, only without the physical paper. This means no paper, postage, or waiting for checks in the mail. We hate abusive fees as much as you do. That's why we developed Paynote.

Bye bye bank & credit card fees.
Try Paynote now.

Try it free
100% free. No credit card required. Immediate access.

Stop getting squeezed by Big Banks and credit card processors.
Try Paynote now.

Try it free
100% free. No credit card required. Immediate access.