Checkbook provides a way for businesses to send payments online at scale. It provides all possible rails for payment disbursements, including but not limited to ACH, RTP, Fednow, Digital Checks, Paper Checks, Push to Card, Virtual Cards, Zelle, Venmo, Paypal, Wires. It offers good funds model as well as ability to pull funds from existing corporate accounts. All this is available through a single (smart) API call without requiring the recipient/payee to signup or provide bank information before receiving the payment. All this is available in a complete white-labeled functionality. Additionally Checkbook offers PayFac functionality.