Interchecks

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.

Interchecks publishes 1 API on the APIs.io network: Payments API v2. Tagged areas include Payments, Payouts, ACH, Real-Time Payments, and Instant Payments.

The Interchecks catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Interchecks’ developer surface includes documentation, API reference, getting-started guide, signup flow, support, authentication, changelog, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
48.3/100 developing ▬ flat Agent 38/100 agent ready Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0
1 APIs
PaymentsPayoutsACHReal-Time PaymentsInstant PaymentsDisbursementsCardsFinancial ServicesFintechWebhooks

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0
Composite quality — 48.3/100 · developing
Contract Quality 12.7 / 21
Developer Ergonomics 10.8 / 17
Access Clarity 3.6 / 17
Operational Transparency 2.9 / 11
Contract Governance 3.1 / 10
Discoverability 6.5 / 9
Regulatory Posture 6.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Surface 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/interchecks: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Interchecks Payments API v2

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, a...

Pricing Plans 1

Published pricing tiers and plan structures.

Interchecks Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Interchecks Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Interchecks Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Interchecks Authentication

oauth2/http · 2 schemes

SECURITY

Interchecks Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Components
Components
 DataModel
DataModel
 Conformance
Conformance
 Webhooks
Webhooks

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 DeclineCodes
DeclineCodes
 Packages
Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

Support
Support
 ChangeLog
ChangeLog
 RateLimits
RateLimits

Commercial 1

Pricing, plans, and the legal terms of use

Plans
Plans

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
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

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