aid: interchecks
name: Interchecks
description: >-
  Interchecks Technologies, Inc. is a US instant-payments platform that moves money in both
  directions for payers who need to fund accounts and pay out to consumers at scale. Its Payments
  API v2 is a REST contract covering recipient onboarding and TIN verification, destination account
  management across bank (Plaid-linked), debit card, PayPal, Venmo and prepaid rails, immediate
  disbursement transactions across ACH standard/same-day, ACH Funding Plus, RTP, Instant Deposit
  (Visa/Mastercard OCT), Instant Funding (AFT), paper check, eCheck and prepaid, plus embeddable
  widgets, settlement and activity reporting, envelope-encrypted payloads and signed webhooks. The
  company reports more than $50 billion processed over ten years for online gaming and prediction
  markets, on-demand payroll, lending and digital banking clients, and publishes PCI DSS Level 1
  Service Provider and SOC 2 Type 2 attestations.
image: https://home.interchecks.com/images/interchecks-logo-white.svg
url: https://raw.githubusercontent.com/api-evangelist/interchecks/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-23'
modified: '2026-08-23'
tags:
- Payments
- Payouts
- ACH
- Real-Time Payments
- Instant Payments
- Disbursements
- Cards
- Financial Services
- Fintech
- Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Interchecks Payments API v2
  description: >-
    REST API for creating and managing recipients, destination payment accounts (bank, card,
    PayPal, Venmo, prepaid), payments accepted in the Recipient Portal or a hosted widget, and
    transactions for immediate disbursement or funding across ACH, RTP, card OCT/AFT, check,
    eCheck and prepaid rails. Authentication is OAuth 2.0 client_credentials returning a
    short-lived JWT bearer token; writes accept an Idempotency-Key header.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payments
  - Payouts
  - Transactions
  - Recipients
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payments-api-v2.json
  - type: OpenAPI
    url: openapi/interchecks-payments-api-v2-registry.json
  - type: Overlay
    url: overlays/interchecks-payments-api-v2-overlay.yaml
  - type: Documentation
    url: https://docs-v2.interchecks.com/docs/getting-started
  - type: APIReference
    url: https://docs-v2.interchecks.com/reference/about-recipients
  - type: Webhooks
    url: asyncapi/interchecks-webhooks.yml
common:
- type: DomainSecurity
  url: security/interchecks-domain-security.yml
- type: Website
  url: https://home.interchecks.com/
- type: DeveloperPortal
  url: https://home.interchecks.com/developers
- type: Documentation
  url: https://docs-v2.interchecks.com/docs/getting-started
- type: APIReference
  url: https://docs-v2.interchecks.com/reference/about-recipients
- type: GettingStarted
  url: https://docs-v2.interchecks.com/docs/getting-started
- type: GitHubOrganization
  url: https://github.com/interchecks
- type: SignUp
  url: https://interchecks.com/login
- type: Support
  url: mailto:tech@interchecks.com
- type: LinkedIn
  url: https://www.linkedin.com/company/gointerchecks/
- type: Authentication
  url: authentication/interchecks-authentication.yml
- type: Conventions
  url: conventions/interchecks-conventions.yml
- type: Idempotency
  url: conventions/interchecks-conventions.yml
- type: ErrorCatalog
  url: errors/interchecks-error-codes.yml
- type: DeclineCodes
  url: errors/interchecks-decline-codes.yml
- type: Lifecycle
  url: lifecycle/interchecks-lifecycle.yml
- type: ChangeLog
  url: changelog/interchecks-changelog.yml
- type: Sandbox
  url: sandbox/interchecks-sandbox.yml
- type: Components
  url: components/interchecks-components.yml
- type: DataModel
  url: data-model/interchecks-data-model.yml
- type: Conformance
  url: conformance/interchecks-conformance.yml
- type: Compliance
  url: conformance/interchecks-conformance.yml
- type: Webhooks
  url: asyncapi/interchecks-webhooks.yml
- type: LLMsTxt
  url: llms/interchecks-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/interchecks-plans-pricing.yml
- type: RateLimits
  url: rate-limits/interchecks-rate-limits.yml
- type: Packages
  url: packages/interchecks-packages.yml
x-enrichment:
  date: '2026-08-23'
  status: enriched
  artifacts_added: 32
  pass: local-v1