Why so low?

Banks charge high fees simply because they can. Most small businesses owners have no other options. Writing and sending business checks can cost between $4 to $20, based on the price of postage and the employee time writing, mailing, and reconciling the check.

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Paynote uses your bank's checking account to send or receive a bank-to-bank transfer. Sending or requesting money through Paynote is like writing or cashing a check, only without the physical paper. This means no paper, postage, or waiting for checks in the mail. We hate abusive fees as much as you do. That's why we developed Paynote.