Check drafting for businesses that bill businesses
Your customer approves the payment from an email. You print the check draft, a remotely created check, and deposit it at your own bank that same day. No mail, no chasing, no card fees.
Free to start · About 5 minutes · No contracts · Nothing charged until you're approved
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The cost of waiting
Business customers still pay by check, on their schedule. A check draft puts the payment on yours: the moment they say yes.
Waiting for their check
Then it's out of your hands.
And for someone to sign it. Reminder emails and voicemails don't speed that up.
Another one to five business days, if the envelope shows up at all.
Weeks after you finished the work.
You get paid:whenever it arrives
Drafting it with DraftPay
DraftPay fills in the draft in seconds.
The exact amount, usually in one step. No account, no app, no stamp.
On blank check stock, on your own laser printer.
At your own bank, like any other check, with signed proof on file.
You get paid:the day they say yes
Once deposited, funds availability follows your bank's usual hold policy for checks.
New · AI Quick Draft
Did your customer text you a photo of their check, or forward a voided one? Drag it in. DraftPay reads the details, fills in the draft and shows you every field to confirm. Nothing is created until you say so.
Payer name, address, routing and account number, check number and amount. Routing numbers are checked before you see them.
Finds the customer you already have by bank account, email or name, or builds a new customer profile on the spot.
Emails your customer a secure link to approve the exact amount. You approve, print and deposit.
Drop anything that shows who's paying
Drag it anywhere in DraftPay, paste it, or take a photo.
Check photo
Invoice PDF
Voided check
Screenshot
Phone camera
Paste
You stay in control. You confirm every field, and your customer still signs before anything can print.
How it works
No new payment rails. A check draft is a check, and you deposit it where you already bank. See every step.
Drag in a check or invoice, or enter the payer and amount yourself.
From the link we email them, usually in one step. Or once for every invoice, or not at all if you already have their authorization on file.
Signed drafts land in your print queue. Want a teammate to OK the big ones first? Set an amount.
Print on blank check stock with a laser printer, then deposit it at your bank like any other check.
Approval you can prove
When a payer disputes a check draft, “they said yes on the phone” isn't evidence. DraftPay captures a signed authorization record for every draft and seals it so it can't be quietly edited. How we protect it.
Every user confirms sign-in with a code we text them (or email, as a backup), and again before changing bank details.
Account numbers are encrypted the moment they're submitted. Screens only ever show the last four digits.
Drafts above your threshold need a second teammate's approval before they can print.
Every action is written to a hash-chained log. Changing any entry breaks the chain.
We verify each business and its owners before drafting opens.
DraftPay drafts on business accounts only. Consumers are never in scope.
Compare
Speed, fees, setup and proof, side by side. Read the full comparison.
DraftPay check draftThe day your customer approves
DraftPay check draftNo card or processor fees
DraftPay check draftApprove from an emailed link
DraftPay check draftSigned, hash-sealed record
DraftPay check draftA 5-minute sign-up; your bank agrees to accept drafts
Do the math
Plug in your own numbers: the cash that's always somewhere between your invoice and your bank, and what taking cards instead would cost.
Their check run, the mail, your deposit.
Uses only the numbers you enter. Card pricing varies by processor.
Your money that's always on its way to you
$105,000
In the mail, in an inbox or on someone's desk, at any moment.
Taking those payments by card instead
$52,200 a year in fees
With DraftPay you deposit the day your customer approves, and a check draft carries no card fee.
Who it's for
If your customers are companies that still pay by check, DraftPay gets you paid on approval instead of on the mail carrier's schedule.
Pricing
Pick a plan when you sign up. You won't be charged while we review your business, there are no per-draft fees, and you can change plans or cancel anytime.
For an owner collecting from a handful of business customers.
$29/month
Month to month · no contract
For a team that drafts every week and wants a second set of eyes.
$49/month
Month to month · no contract
For higher volume, more people and stricter approval rules.
$79/month
Month to month · no contract
Check starter kit: $49 one time, optional
500 blank security check sheets, check on top, for any laser printer. Shipping included. We ship it as soon as you're approved. Already have check stock? Skip it when you sign up.
Every plan includes
No contracts · Cancel anytime, no cancellation fee · Nothing charged while we review your business · Pricing details
Learn
What they are, the rules, and how your customer authorizes them, in plain English. All guides.
A remotely created check (RCC) is drawn on a customer's account with their authorization but without their signature. How RCCs work, and when to use one.
ReadYes, with the account holder's authorization. What Regulation CC, state UCC rules and the FTC's telemarketing rule say about remotely created checks.
ReadEvery check draft needs the account holder's authorization. The three ways to get it, what a good record includes, and how your customer can stop it.
ReadYou don't wait for your customer's check run, a signer or the mail. They approve the exact amount from an email, and you print the draft and deposit it at your own bank that same day. Funds availability then follows your bank's normal hold policy for checks.
A check draft, formally a remotely created check, is a check you create on your customer's behalf using their bank details and their authorization. It has no handwritten signature. Instead, it states that the account holder authorized it. You deposit it like any other check. More on remotely created checks.
Yes, with the account holder's authorization. Remotely created checks are defined and governed by the Federal Reserve's Regulation CC, and the account holder must authorize them, one payment at a time or with a blanket authorization. DraftPay won't let a draft be approved until it's covered by your customer's authorization. This isn't legal advice, so check with your own counsel about your situation. The rules in detail.
Not on paper. They open the secure link we email them, review the exact amount and terms, and approve, usually in one step. Larger amounts add a one-time code sent to their email. Every draft keeps its record attached. How authorization works.
Banks set their own rules for remotely created checks. When you sign up, you confirm yours takes them. Not sure? We give you a short note to send your banker.
No. Every plan is month to month. Cancel anytime from your billing settings, with no cancellation fee, and you keep access through the end of the month you've paid for.
Not while we review your business. You pick a plan and put a card on file when you sign up, and billing starts the day you're approved. Change plans, update your card or cancel anytime from your billing settings.
No. Each plan is one flat monthly price with a monthly draft allowance. Your bank's usual deposit terms still apply.
No. DraftPay is for business-to-business payments only, so every payer must be a business.
Account numbers are encrypted the moment they're saved. After that the web app can't read them back, and screens show only the last four digits. Every user signs in with two-step verification. Security details.
A laser printer and blank security check stock: our starter kit, or your own. Banks prefer magnetic MICR toner for the line of numbers along the bottom, so ask yours whether regular toner is fine. DraftPay includes an alignment page so your first real draft lines up. Printing guide.
Set up in about five minutes. Most businesses are verified within two business days. Nothing is charged until you're approved, and there's no contract.