Interchecks website screenshot

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 16 APIs on the APIs.io network, including Accounts API, Authentication API, Oauth2 API, and 13 more. 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 23 more developer resources.

45.7/100 developing ▬ flat Agent 38/100 agent ready saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0
AccessSelf serve
2 APIs
PaymentsPayoutsACHReal-Time PaymentsInstant PaymentsDisbursementsCardsFinancial-ServicesFintechWebhook

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management
BC-1340
AccountsPayment Accounts - BankPayment Accounts - CardPayment Accounts - PayPalPaymentsTransactions
POST /api/v2/{payer_id}/payments POST /api/v2/{payer_id}/accounts/{recipient_id}/banks POST /api/v2/{payer_id}/transactions POST /api/v2/{payer_id}/accounts/{recipient_id}/banks

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 16

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

Interchecks Accounts API

The Accounts API from Interchecks — 16 operation(s) for accounts.

Interchecks Authentication API

OAuth 2.0 is used for authentication and authorization to the API. Client ID and Secret Key can be generated in the Developer Portal.

Interchecks Oauth2 API

The Oauth2 API from Interchecks — 1 operation(s) for oauth2.

Interchecks Payers API

Endpoints to retrieve a payer's connected accounts (aka good funds accounts) and payout method configuration for the `payer_id` designated in the URL.

Interchecks Payload API

The Payload API from Interchecks — 5 operation(s) for payload.

Interchecks Payment Accounts - Bank API

The Payment Accounts - Bank API from Interchecks — 2 operation(s) for payment accounts - bank.

Interchecks Payment Accounts - Card API

The Payment Accounts - Card API from Interchecks — 3 operation(s) for payment accounts - card.

Interchecks Payment Accounts - PayPal API

The Payment Accounts - PayPal API from Interchecks — 3 operation(s) for payment accounts - paypal.

Interchecks Payments API

The Payments API from Interchecks — 7 operation(s) for payments.

Interchecks Recipient Emails API

The Recipient Emails API from Interchecks — 1 operation(s) for recipient emails.

Interchecks Recipient Verification API

The Recipient Verification API from Interchecks — 1 operation(s) for recipient verification.

Interchecks Recipients API

The Recipients API from Interchecks — 9 operation(s) for recipients.

Interchecks Reports API

The Reports API from Interchecks — 5 operation(s) for reports.

Interchecks Test Harness API

The Test Harness API from Interchecks — 4 operation(s) for test harness.

Interchecks Transactions API

The Transactions API from Interchecks — 4 operation(s) for transactions.

Interchecks Widgets API

The Widgets API from Interchecks — 4 operation(s) for widgets.

Scroll for all 16

Pricing Plans 1

Published pricing tiers and plan structures.

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.

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

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 1

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 2

Properties that don't map to a standard resource type

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
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
- Webhook
tags_raw:
- 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:
- aid: interchecks:interchecks-accounts-api
  name: Interchecks Accounts API
  description: The Accounts API from Interchecks — 16 operation(s) for accounts.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/interchecks-accounts-api-openapi.yml
  - 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
- aid: interchecks:interchecks-authentication-api
  name: Interchecks Authentication API
  description: OAuth 2.0 is used for authentication and authorization to the API. Client ID and Secret Key can be generated
    in the Developer Portal.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/interchecks-authentication-api-openapi.yml
  - 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
- aid: interchecks:interchecks-oauth2-api
  name: Interchecks Oauth2 API
  description: The Oauth2 API from Interchecks — 1 operation(s) for oauth2.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Authentication
  tags_raw:
  - Oauth2
  properties:
  - type: OpenAPI
    url: openapi/interchecks-oauth2-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payers-api
  name: Interchecks Payers API
  description: Endpoints to retrieve a payer's connected accounts (aka good funds accounts) and payout method configuration
    for the `payer_id` designated in the URL.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payers
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payers-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payload-api
  name: Interchecks Payload API
  description: The Payload API from Interchecks — 5 operation(s) for payload.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payload
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payload-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payment-accounts-bank-api
  name: Interchecks Payment Accounts - Bank API
  description: The Payment Accounts - Bank API from Interchecks — 2 operation(s) for payment accounts - bank.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payment Accounts - Bank
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payment-accounts-bank-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payment-accounts-card-api
  name: Interchecks Payment Accounts - Card API
  description: The Payment Accounts - Card API from Interchecks — 3 operation(s) for payment accounts - card.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payment Accounts - Card
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payment-accounts-card-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payment-accounts-paypal-api
  name: Interchecks Payment Accounts - PayPal API
  description: The Payment Accounts - PayPal API from Interchecks — 3 operation(s) for payment accounts - paypal.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payment Accounts - PayPal
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payment-accounts-paypal-api-openapi.yml
  - 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
- aid: interchecks:interchecks-payments-api
  name: Interchecks Payments API
  description: The Payments API from Interchecks — 7 operation(s) for payments.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/interchecks-payments-api-openapi.yml
  - 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
- aid: interchecks:interchecks-recipient-emails-api
  name: Interchecks Recipient Emails API
  description: The Recipient Emails API from Interchecks — 1 operation(s) for recipient emails.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Recipient Emails
  properties:
  - type: OpenAPI
    url: openapi/interchecks-recipient-emails-api-openapi.yml
  - 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
- aid: interchecks:interchecks-recipient-verification-api
  name: Interchecks Recipient Verification API
  description: The Recipient Verification API from Interchecks — 1 operation(s) for recipient verification.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Recipient Verification
  properties:
  - type: OpenAPI
    url: openapi/interchecks-recipient-verification-api-openapi.yml
  - 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
- aid: interchecks:interchecks-recipients-api
  name: Interchecks Recipients API
  description: The Recipients API from Interchecks — 9 operation(s) for recipients.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Recipients
  properties:
  - type: OpenAPI
    url: openapi/interchecks-recipients-api-openapi.yml
  - 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
- aid: interchecks:interchecks-reports-api
  name: Interchecks Reports API
  description: The Reports API from Interchecks — 5 operation(s) for reports.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/interchecks-reports-api-openapi.yml
  - 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
- aid: interchecks:interchecks-test-harness-api
  name: Interchecks Test Harness API
  description: The Test Harness API from Interchecks — 4 operation(s) for test harness.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Test Harness
  properties:
  - type: OpenAPI
    url: openapi/interchecks-test-harness-api-openapi.yml
  - 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
- aid: interchecks:interchecks-transactions-api
  name: Interchecks Transactions API
  description: The Transactions API from Interchecks — 4 operation(s) for transactions.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/interchecks-transactions-api-openapi.yml
  - 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
- aid: interchecks:interchecks-widgets-api
  name: Interchecks Widgets API
  description: The Widgets API from Interchecks — 4 operation(s) for widgets.
  humanURL: https://docs-v2.interchecks.com/docs/getting-started
  baseURL: https://prod.api.interchecks.io
  tags:
  - Widgets
  properties:
  - type: OpenAPI
    url: openapi/interchecks-widgets-api-openapi.yml
  - 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: CapabilityMap
  url: capabilities/interchecks-capability-edges.yml
  name: Interchecks Business Capability Map
- type: Overlay
  url: overlays/interchecks-payments-api-v2-overlay.yaml
- 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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