CHECKFLO – Your Company’s Check Mate!
Solve Your Check Processing Challenge
Our compliance-first platform handles the full complexity of check printing, document fulfillment, FBO account management, and escheatment services from secure facilities processing millions in payments monthly
Business Check Printing & Mailing Services
Maintain complete operational control through advanced system integrations, batch processing workflows, and real-time tracking.
Integrated Payment Processing
For businesses looking to automate and manage check issuance through secure accounting or ERP integrations.
- Integrate via API, CSV, QuickBooks, or SFTP
- Batch processing, scheduling, and approval workflows
- Full visibility into user actions and payment history
Custom Checks with Documents
When your business needs to send more than just a check—like legal notices, payroll statements, or insurance letters.
- Attach letters, forms, or supporting documents
- Custom check stub with dynamic financial data
- 100% match accuracy between checks and documents
High-Volume, Fast Turnaround
When speed and scale are essential—whether you're sending bulk check payments or working on tight deadlines.
- Same-day dispatch for orders submitted before cutoff time
- FedEx overnight delivery available for urgent payments
- Supports bundling and large batch processing
Multi-Bank, Multi-Team Setup
Ideal for managing check payments across multiple teams, entities, or clients. Simplifies complex payment operations.
- Set up multiple bank accounts with dedicated check templates
- Create primary accounts and subaccounts for different teams or companies
- Add multiple users, assign permission levels, and set approval rules
Choose Your Check Processing Model:
Option 1: Standard Check Processing
Use Your Existing Bank Accounts
Print and mail checks using your current banking relationships. You provide bank account details for check design – we handle printing and mailing without accessing your accounts.
Best for: Regular vendor payments, payroll, refunds, and standard business disbursements
Option 2: Prefunded Check Processing
Bank-Managed Custody Accounts
Streamline operations with FBO (For Benefit Of) accounts managed by our banking partners. Choose self-service or full-service management (you send funds, we handle all issuance, printing, mailing, and reconciliation).
Best for: High-volume operations, trust payments, multi-entity structures, regulated industries requiring enhanced compliance
Plug-and-Play Workflow Integrations
Plug Checkflo into your existing workflow without code rewrites or mapping headaches – always at $0 setup cost.
Upload & Go: Drag and drop CSV export files or PDF bundles for same-day onboarding.
Batch at Scale: Secure SFTP hot folders accept high-volume data files (EDI included) plus matching PDFs in one sweep.
Real-Time API: Stream payment data and PDF documents or EDI payloads through REST endpoints with instant webhook status updates.
CSV Data File Upload REST API Integration QuickBooks Online Integration
The Checkflo Advantage
Security first, flexibility everywhere.
Bank-Grade Security
SOC 2 Type 2, HIPAA, and ISO 27001 certified. Payment and bank data stay AES-encrypted; every check prints on high-security MICR stock with optional holograms. IP-restricted access and immutable audit logs protect your payments from submission through deposit.
Custom Payment Solutions
Choose self-serve templates for fast edits, drop in your logo, tweak business details, and go. Need more? Our enterprise team builds fully custom HTML layouts, multi-page stubs, and automated document-matching rules for complex requirements. Perfect for payroll, refunds, or any business payment that needs its own look.
Granular Approvals and Controls
Role-based permissions, dual-signature rules, and dollar thresholds keep every check under tight oversight. Positive Pay exports and real-time exception alerts stop fraud before it starts. Approvers get instant email alerts; rejected items flow back so nothing stalls your pay run.
Live Tracking & Reporting
Each check and document ships with USPS or FedEx tracking that feeds straight into your dashboard. Web-hooks and downloadable reports surface print, mail, and delivery milestones in real time. Ready for auditors, ERP feeds, or just peace of mind.
Cut Your Check Processing Costs by Over 50%
Compare the Savings: In-House Check Printing VS Checkflo
In-House
Check Printing & Mailing
- Monthly Materials: $500
- Monthly Postage: $335
- Monthly Labour: $1,280
Checkflo
Check Printing & Mailing
* NO MONTHLY FEE
* $1.49 per check printed & mailed:
-
- High-security check stock
- Original MICR toner
- Fast 1-day dispatch
- Positive Pay report
- Reporting & tracking
Customer Reviews & Testimonials
Discover how Checkflo has helped businesses of all sizes streamline their payment processes and enhance their financial management.
Checkflo - Web Application
Check Payment Software
Reviews
Overall
(39 reviews)
Great Customer Service
Checkflo has great customer service! They actually have real live people that pick up the phone and assist you with your questions. Such a rarity today. Excellent app! It's made our complicated accounting process easy and affordable.
Yes, I recommend this product.
Excellent!
Checkflo is exactly the service we needed, at the right time. Like many, we were forced to move our team remote during the pandemic. Our AP check cutting process was typically only able to be done in our office, but this now allows us to operate from anywhere. We can even send via Fedex if needed. I'm overall very happy with this service!
Yes, I recommend this product.
Stay Informed
Explore the latest news, tips, and best practices in check payment management and financial insights through our blog.
Payflo Partners with MoneyGram to Deliver Innovative Cash Payment Solutions for U.S. Gaming and Lottery
Payflo Inc. has partnered with MoneyGram to launch groundbreaking cash-in and cash-out payment solutions tailored for the U.S. gaming and lottery industry. With seamless integration, same-day access to funds, and nationwide reach, this partnership is set to transform payment experiences for both players and operators.
Blog
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Unlock better mail visibility and security with USPS Informed Delivery and Intelligent Mail Barcode. See how Checkflo simplifies tracking checks and financial documents for your business.
Reverse Positive Pay: Adequate Security for Your Business?
Discover the pros and cons of Reverse Positive Pay for check fraud prevention. Understand how it differs from Positive and Payee Positive Pay, and see how Checkflo’s solutions enhance business security and streamline payment processes.
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