Checkbook

Checkbook was built as a digital replacement for paper checks, positioning itself as an API-first push payments platform for businesses that need to disburse funds at scale. The company has expanded beyond ACH to offer Real-Time Payments (RTP), Push-to-Card via Visa Direct, Virtual Cards, and a Marketplace embedded payments product. Its security foundations trace back to Visa, with founders having helped define payment security standards there. Checkbook operates as payments infrastructure rather than a neobank — it is the rails, not the bank.