No bank account needed. Upload your paycheck, verify your identity, and receive a virtual debit card in minutes. Start spending or paying bills immediately.
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CheckPay offers a comprehensive suite of financial services to help you manage money without a traditional bank account.
Scan your payroll check and clear it directly to your account. No trips to the bank, no waiting in line.
Get a virtual card instantly upon account creation. Use it for online purchases, bill payments, and anywhere cards are accepted.
Simple identity verification with passport and selfie. Your data is encrypted and protected with bank-level security.
Pay utility bills, subscriptions, and more directly from your account. Schedule payments and never miss a due date.
Send mobile credit to phones worldwide. Support family and friends across any distance with instant top-ups.
Available in English, Spanish, Filipino, and Yoruba. Use the app in your preferred language for a seamless experience.
Getting started with CheckPay is as easy as 1-2-3. Follow our straightforward process.
Upload your passport and take a quick selfie. Our secure system verifies your identity in seconds.
Take photos of the front and back of your paycheck. Our AI validates the check instantly.
Get your virtual debit card immediately. Start spending, paying bills, or sending money right away.
Use your card for purchases, pay bills, top up phones, or clear more checks. All from your mobile device.
CheckPay speaks your language. Choose from English, Spanish, Filipino, or Yoruba for a fully localized experience.
Everything you need to know about CheckPay.
CheckPay is a secure way to deposit checks, receive funds, and pay bills without standing in line at a check-cashing store or bank. Deposit checks from your phone, get a virtual card to spend your money, and pay bills online.
No. CheckPay supports ITIN-based identity verification. You are not required to have an SSN to open an account or deposit checks.
To open your account, you will need a valid government-issued ID, your ITIN (if applicable), your residential address, and a quick selfie verification. This information is required to verify your identity and open your account securely.
U.S. banks are required to verify the identity of account holders and check depositors. This protects you from fraud and ensures your funds are processed safely. Identity verification replaces the in-person ID checks you would normally go through at a check-cashing store.
No. Your information is encrypted, used only for identity verification and deposit processing, and shared only with required banking and clearing partners. Your information is not used for immigration enforcement purposes.
When you deposit a check, the clearing bank must confirm that the check belongs to you and the deposit is legitimate. This is called Secure Deposit Confirmation. It replaces the in-person verification you would normally complete at a physical location.
No. Selfie verification checks that a real person is making the deposit. It is not tracking you beyond that moment and is not used for monitoring or surveillance. It is used strictly for deposit security.
You will see the deposit status in your app: Submitted, Under Review, Accepted, Pending, and Cleared. Once cleared, funds move from "Pending" to "Available" in your balance. Processing time depends on the clearing bank and check type.
Fees may apply to check deposit processing, check clearing, bill payments, and certain transfers. All fees are displayed before you confirm a transaction. There are no hidden charges.
Funds are processed through regulated banking partners. Your deposits go through a U.S. clearing bank or assigned financial partner. Your data is encrypted and protected with bank-level security.
Yes. You can request a physical debit card inside the app. Once your physical card arrives, you can use it at any ATM to withdraw cash from your account balance.
CheckPay does not hold your funds. When you deposit a check, it is processed and cleared by our clearing partner, ClearPath Bank. Once cleared, your funds are held by Horizon Card Bank, who also issues your virtual and physical debit cards. Both banks are FDIC-insured, so your money is protected.
Sign up, create your account, scan a check, and get paid. No bank account required.
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