Integrating Checkbook.io for eCheck Payments and Real-Time Payments Processing

Integrating Checkbook.io for eCheck Payments and Real-Time Payments Processing

Checkbook.io Overview

Checkbook.io is a digital payment platform that allows businesses and individuals to send and receive payments electronically. The platform offers services like eChecks, which are digital checks that can be sent via email or SMS, and real-time payments, which provide instant transfer of funds.

By integrating with CustomBooks™, Checkbook.io enables you to send electronic checks to vendors, pay bills without printing paper checks, and process real-time payments. It also allows you to receive real-time payments from customers directly through sales invoices.

Please review the highlighted sections below to fully understand the process before deciding to use Checkbook.io.




Considerations when deciding if you want to use Checkbook.io

  1. Checkbook.io can be used to send payments to individuals or companies if they are willing to provide an email address for this service. Keep in mind that some larger vendors may not be willing to provide an email address for receiving payments, so it’s important to confirm this with them before using this service to pay your bills.

    When you send a payment to a vendor, they will receive an email with a link to:
    1. Download and print a paper check for deposit, or
    2. Sign up for Checkbook.io, add a bank account, and have the payment deposited directly.

  2. Checkbook.io can also be used to receive real-time payments from your customers. If you choose this option, you can email the customer an invoice from CustomBooks™ with a 'Make Payment' button. When the customer clicks the button, they will be directed to a page asking for their email and name. If they already have a Checkbook.io account, the payment will be processed. If not, they will be prompted to create a Checkbook.io account and add a bank account to complete the payment.

Setting Up Checkbook.io in CustomBooks™

In order to integrate Checkbook.io with CustomBooks™ you must have a Checkbook.io account. Set one up at https://checkbook.io/, or you can also create an account directly from the CustomBooks™ application. To connect CustomBooks™ to your checkbook.io account:
  1. Log in to CustomBooks™. Navigate to Admin Panel > Beta Preview > Checkbook.io Integration.
  2. Click the Checkbook.io logo.
  3. Log in or create a new Checkbook.io account:
    1. If you already have an account, enter the email address and password, then authorize CustomBooks™ to send/receive checks from your bank account.
    2. To register, click the 'Don't have an account?' button, enter your email address, first and last name, password and then click Sign Up. Verify your email, add and verify your bank.


  4. Assign a clearing account that you would like Checkbook.io to use. If you've selected the 'Automatically send Cash Receipt to customer when Checkbook.io payment has been processed' checkbox, the customer will receive a Cash Receipt upon successful payment.


Once connected and set up, you’ll be able to send eChecks and real-time payments to vendors, as well as receive payments from customers through CustomBooks™ sales orders and invoices.

Using Checkbook.io in CustomBooks™

Making Payments to Vendors with Checkbook.io

To make a payment to a vendor using Checkbook.io in CustomBooks™, ensure that the vendor's details are correctly entered. This includes their email address and "Pay To" name. You can make payments through either a Payment or a Bill Payment.
  1. Confirm that the vendor has a Checkbook.io email address and "Pay To" name entered on their Company card.
  2. To pay a vendor, you can either:
    1. Create a Payment from Bank: Payments, or
    2. Generate a Bill Payment from a Bill, or create one from Purchases: Bill Payments.
  3. In the Payment or Bill Payment window, click the Generate button, then select Payment with > Checkbook.io.
  4. Click Save or Save and Close. The payment will be processed automatically.





Receiving Payments from Customer Using Checkbook.io

To receive invoice payments from your customers using Checkbook.io, follow these steps:

  1. Email the Sales Order or Sales Invoice to the customer. The email will automatically include a 'Make Payment' button, which customers can click to make a payment for the Sales Invoice or a pre-payment for the Sales Order.
  2. When the customer clicks the 'Make Payment' button, they will be directed to the payment screen. Here, they can enter the payment amount and click 'Make Payment' to proceed to the Payment Options.
  3. In the Payment Options window, customers can choose their preferred payment method from the services integrated into your CustomBooks™ account (e.g., Stripe, Paya, Digital Check). To pay using Checkbook.io, the customer should select Digital Check and enter their email address and name, then click the Pay via Digital Check button.
  4. If the customer already has a Checkbook.io account linked to the provided email with a connected bank account, the payment will be processed. If not, they will be prompted to create a Checkbook.io account using the provided email and name, and to connect a bank account.

    The customer will receive a Cash Receipt upon successful payment if you've selected the 'Automatically send Cash Receipt to customer when Checkbook.io payment has been processed' checkbox in the Checkbook.io integrations settings.





If the customer does not have a Checkbook.io account and needs to verify a bank account, they may need to wait several days to make the payment if they choose standard verification. With this method, Checkbook.io will make two small deposits into their account, and they will need to enter those amounts in a verification form provided by Checkbook.io. Once the verification is complete, the customer can make the payment by clicking the 'Make Payment' button in the original invoice email. Alternatively, instant verification allows the payment to be processed immediately.

Integrating Checkbook.io with CustomBooks™ simplifies your payment processes, allowing you to easily send and receive payments. With secure, real-time options, you can manage transactions efficiently. Follow the steps outlined to get started and enhance your payment workflows.

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