Checkbook
“Can a digital-check-replacement platform become the default API-first push disbursement layer for enterprise and marketplace payouts across ACH, RTP, card, and virtual card rails?”
HQSan Francisco, CA (inferred from context)
IndustryInfrastructure / Payments
The story
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.
Last 12 months
—
The stack
6 layers disclosed in Checkbook’s embedded-finance stack
Payments / PSP
Checkbook (self-operated)Visa Direct (Push-to-Card)
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Open banking
in the full report
FX & payouts
in the full report
Accounting gap: significant
8 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.