Paying by Check Online Has Never Been Easier

Never use a paper check again. Send money online instantly in just three simple steps.

Enter recipient's name, email, memo, and payment amount. After you enter the payment details, Paynote directly emails your clients the check or invoice.

Recipient receives an email and enters their bank info. Your client clicks a link and securely adds their information. No need for them to have a Paynote account.

Funds are transferred. The funds are sent directly into their bank account.The recipient pays nothing. No hidden charges—ever.

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$ Amount
Recipient Name
Recipient Email
Memo
Send Payment

Gone are the days of long processing times, exorbitant wiring fees, and tedious verification processes. With Paynote, your company can receive and send digital checks online instantly via ACH. Skip the hassle and update your payment method with modern security and payment technology.

Get Started With Paynote

No credit card required. Immediate access.

No account needed or apps to download.

Recipients never pay a fee.

Real time bank balance verification.

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

Then try Paynote, the easiest way to receive and send digital checks online via ACH from clients or vendors.

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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 Rent
Pay Contractors
Send Money
Receive Money
Pay Doctors
Send Refunds

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 business owners have no other options. Writing and sending business checks can cost between $4 and $20, based on the price of postage and the employee time writing, mailing, and reconciling the check.

Paynote uses your bank account to send or receive a bank-to-bank transfer. Requesting or sending money from any bank account instantly 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.

Get Started

Big or Small, Every Business Needs Paynote

Freelancers & Self Employed

Send checks and invoices online instantly and easily from clients or vendors. No credit checks or extensive bank underwriting required. We have affordable pricing options for every budget, and Paynote will save you money in the long run.

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.

See Why Thousands of Businesses and Entrepreneurs Love Paynote

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
CEO
Parker Insurance

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

Alon Alexander
President
Kent Services

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

Sam Ende
CPA
Raich Ende Malter & Co.

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

Sam Katz
Executive Director
Roxann Realty

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

Jeff Swersky
Owner
Jeff Swersky Consulting

Try Paynote now for free!

Enter the details below to see how Paynote works.

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

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

Here's why you'll love Paynote:

Send Checks

With Paynote, sending checks online is super easy with our intuitive dashboard, with options for both one-time and recurring payments.

Send Invoices

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

Customized for Your Business

You can customize the recipient’s Paynote experience by adding your business’s logo.

Next Day Transfers

Paynote offers fast, next day electronic transfers. Send money online almost instantly to and from all US bank accounts.

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 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.

Pricing

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

Business
Startup

$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

Business
Pro

$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

Business
Premium

$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

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.