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Important details regarding eCheck Processing:

  • Participating banks

We deposit 3 times a week to the following banks: Bank of America, Capital One, Chase, Citi, M&T Bank, PNC Bank, Santander Bank, TD Bank, Wells Fargo

  • Basic requirements

You should have a working website with US Customer Service Number, you should be in business for at least 6 months, and you should have a minimum of $15,000/mo in sale,

  • Startup program

If you have less than $15,000/month in sales or less than 6 months in business you can apply for our Startup Program. This requires all minimum monthly fees of $649.99/month to be paid upfront each month until you reach $10k/monthly sales.

  • Documentation Requirements

You must have: 1. Completed & Signed Merchant Application 2. Scanned Color Copy of Drivers License or Passport - Front & Back of Driver's License for ID 3. Proof of Company Address - Either a utility bill or bank statement ONLY, not older than three months 4. If Incorporated supply complete Articles/Articles of Association 5. Copy of Pre-Printed Company Check or Bank Letter 6. Fulfillment Company Details 7. Six months of most recent Bank and Credit Card Processing Statements

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Important details regarding Credit Card Processing:

- Merchant processing requires credit check, personal guaranty, and bank underwriting
- Tax returns and bank statements may be required. Click to see full documentation requirements.
- Bank statements must show balances that equal the daily volume requested.
- Must be in business for at least 6 months
- High chargebacks will result in termination
- High Risk Industries including Direct Marketing, Collection Agencies, Tech Support, etc.
- Not sure if your business is prohibited? Click here to see full list.

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Compare our Verification solutions:

  • Basic verification ☆

Routing/Account Number Validation, Negative Balance/Closed Account Warning, Fast Customer Checkout Speed, Good Bank coverage, Good Return Rate reduction, Merchant/Customer Enters Payment Info for Check Data Entry Method

  • Funds confirmation ☆☆

Routing/Account Number Validation, Negative Balance/Closed Account Warning, Confirm Customer Account Balance, Fast Customer Checkout Speed, Better Bank coverage, Better Return Rate reduction, Merchant/Customer Enters Payment Info for Check Data Entry Method, Funds Availability Response Codes

  • Bank authentication ☆☆☆

Routing/Account Number Validation, Negative Balance/Closed Account Warning, Confirm Customer Account Balance, Validate Bank Account Ownership, Instant Account Balance Confirmation, Eliminate Human Error From Data Entry, Fastest Customer Checkout Speed, Best Bank coverage, Best Return Rate reduction, Customer Enters Online Bank Login for Check Data Entry Method, Sufficient Funds Needed to Make Payment

Additional Solutions from SeamlessChex.

We are a full service payment processor offering eCheck Processing, eCheck Verification, and Credit Card Processing. If you send or receive payments, we have a solution for you.

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Our Services

eCheck Processing
Credit Card Processing
Verification Solutions

eCheck Processing

eChecks with deposits directly into your bank account. Quick Setup. No Credit Checks. No Contracts.
Pricing Starts at
$150 per month + 2.5% + $0.50 per check

sign up nowSee Requirements →
Simple Pricing
24 hour approval
Startup program
Quick setup

Credit Card Processing

Accept Credit and Debit Cards for in store and online. We specialize in hard to place ecommerce businesses.
Pricing Starts at:
$25 per month + 2.75% + $.15/transaction

sign up nowSee Requirements →
Same Day ACH
Simple API
Online Application
Mobile Payments

Basic verification

You or your customer enters payment info manually or using the payment link. We alert you if the account is closed, has a negative balance, or is invalid.

Included in all plans

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Verify Customer ID
Confirm Balances
Authenticate Accounts
Transaction History

Funds confirmation

Your or your customer enters bank info and we ping the account for a balance confirmation response. Enter by 12pm EST and receive a response by 5pm EST.

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See Pricing

Bank authentication

Instantly verify bank account ownership and account balances using a payment link where users are prompted to enter their online bank username/password.

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See Pricing

1,637 companies use SeamlessChex

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

SeamlessMerchant 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
Manager
Omar Mediterranean Cuisine

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

Jared Lubel
President
Ruby & Jenna

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

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
CEO
Connected.co

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
President
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
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
Founder, Owner
SoFriendly

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
Owner
Jeff Swersky Consulting

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

Alim Sunderji
COO
Sleeptronic