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Seamless Chex

Digital check authentication service that allows merchants to accept direct payments without having to go through the ACH process.


  • No long-term contracts
  • No early termination fees
  • Next-day funding
  • Sign-up does not require traditional underwriting process
  • 14-day free trial period
  • Account dashboard gives merchants real-time updates of payments sent and received
  • Multiple plans across a spectrum of prices to suit the needs of a variety of merchants


  • Not available outside the U.S.
  • Focus is primarily on eCommerce
  • Not well-suited to traditional on-site merchants like restaurants, where check-writing is no longer routine


Seamless Chex is an electronic verification service that allows merchants to verify a customer's bank account information, authorize the transaction and manage check payments via an online account dashboard.

Seamless Chex apparently has a good grasp on how to conduct customer service. They are well-liked by their clients; out of 75 total reviews on Trustpilot, 73 gave the company a 5-star rating.

In addition to their standout online check service, Seamless Chex also offers credit card merchant accounts under the brand “SeamlessMerchant”. They offer card acquiring services for both high-risk and low-risk merchants.

They also boast well-known integration partners, such as NMI, Shopify and WooCommerce.

Review excerpts:

Trustpilot review, 4 out of 5 stars, December 2, 2022

Thank you, Elliot

Thank you, Elliot, for putting out a fire. We've been with Seamless since August 2021, and will be using their services as long as it's available.

Trustpilot review, 5 out of 5 stars, February 23, 2023

I recently had the pleasure of using…

I recently had the pleasure of using this credit card payment processor for my business, and I can confidently say that it is the best one I've ever used. From start to finish, the experience was smooth, seamless, and hassle-free.

One thing that really stood out to me was how fast and prompt the processor was.

Doug was amazing at following up, turned approvals around lightening fast and was over all very easy to work with. This allowed me to focus on other aspects of my business without having to constantly monitor my Applications.

Additionally, the customer support has continued to be top-notch. Any time I have a question or concern, I’m able to reach out and get a quick and helpful response. This level of responsiveness is rare in the payment processing industry, and I really appreciate it.

Overall, I highly recommend this credit card payment processor to anyone looking for a fast, reliable, and responsive payment solution. Five stars all around!

Trustpilot review, 5 out of 5 stars, December 1, 2022

Seamless Chex has made everything in…

Seamless Chex has made everything in regards to receiving payments easy. I have never had to leave my house to receive a payment. The customer success team is amazing. Darren is my point of contact and she has been extremely helpful, especially when I was having issues.

Trustpilot review, 5 out of 5 stars, November 2, 2022

Great company

Great company. I have been using them for over a year now and haven’t had any major issue. Any minor issues are resolved quickly because my direct point of contact, Doug, is always available and gets things taken care of quickly. Highly recommended!

Trustpilot review, 5 out of 5 stars, February 23, 2021

On Line Chat Support - Chris & Zach

I am a new account holder and was new to Seamless Chex. In setting up my account I chose to use the chat function on the website as a quick way to do the setup and help me save time. Chris was very professional and worked quickly and easily with me to achieve the final setup which I appreciated very much. All the backend support from Zach was very streamlined and easy to follow. Looking forward to utilizing Seamless Chex as another payment method for my customers to use.

Better Business Bureau

  • BBB Rating: A+
  • BBB Accredited Business
  • 5 out of 5 stars
  • 6 complaints closed in the last 3 years
  • 5 complaints closed in the last 12 months

Final Word

Seamless Chex has a great reputation among its users for quality customer service, with prompt response times and a track record of working with customers to achieve a satisfactory resolution to whatever needs may arise. They have the benefit of an easy sign-up process, without lengthy traditional underwriting. The service is, as the name implies, for e-checks and is best-suited to e-commerce businesses. Seamless Chex also is able to service high-risk merchants who may have difficulty establishing merchant accounts with other merchant service providers.