>without sharing their bank account info You should probably lead with this, because it wasn't clear until you stated it there. The parent comment made it soun

>without sharing their bank account info You should probably lead with this, because it wasn't clear until you stated it there. The parent comment made it sound like the problem you're solving is inability to just use people's self-reported account numbers in ACH without a verification process. This seemed strange, because companies do that already. Doing something like ACH, but without leaking either party's account number to the other, is more interesting. Regarding landlords, the property management company that owns most of my neighborhood asks for checking account/routing numbers from a web portal, just like CapitalOne and VW. The DMV dictates the forms of payment it will accept; it's not up to the customer to pick a payment service. They need a check or credit card in hand at the counter. I dunno about gardeners. If it were informal enough, I'd probably use Venmo. I'm not sure why asking him to give Checkbook the necessary information to actually remit the payment is any different from asking him to sign up for Venmo. (Maybe it is?) >its about getting rid of 3 day ACH delay For the companies I mentioned, the payment is always credited to my bill (and taken from my bank account) the next morning. I only experience the 3-day delay using the "transfer between linked accounts" features at my banks. I've read elsewhere that this delay is introduced by the banks as an anti-fraud mechanism, not an actual technical limitation. If I pay someone using, say, Venmo, if they immediately hit "cashout" they will have the money in their bank the next day.