215 karma · joined September 12, 2011
Email: pgupta@checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2017 report by the Federal Reserve 15.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4X times VISA/MC combined! We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed -> Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2017 report by the Federal Reserve 17.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4X times VISA/MC combined! We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed -> Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
Again while the effort expended is commendable I find it hard to believe that this program which by it's own admission catered to a peak of appx. 0.02% of the population single handedly prevented an Aids epidemic
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2017 report by the Federal Reserve 17.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4X times VISA/MC combined! We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4.5X times VISA/MC combined! We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4.5X times VISA/MC combined!
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
You know anyone there we can get in touch with ? I sent them an email thru their generic contact email info@sikich.com
Where are you located ? Interested in joining us - we're a python shop
Cheers
Unless the paved roads are physically close to the Ocean it's unlikely the plastic will be washed away to ocean water. (BTW: Plastic decomposes much faster in sea water than on land - again that doesn't make it ok to dump it in sea water though )
Furthermore the plastic is "heat treated" and then mixed/layered with Bitumen. While the chemical reactions have not been explained it's likely that some form of chemical binding is happening at those temperatures i.e. Plastic is undergoing chemical conversion - at least at amalgam level.
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in the US alone, transferring a sum of money 4.5X times VISA/MC combined!
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in 2015 in the US alone, transferring a sum of money 4.5X times VISA/MC combined!
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit.
Interview process: Initial phone screen -> Onsite for 1 to 2 days and same day/next day decision.
Email admin@checkbook.io or pj [at] checkbook.io
We are a fintech startup and solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in 2015 in the US alone, transferring a sum of money 4.5X times VISA/MC combined!
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space in Online and Mobile payments.
We’re Seed stage and very soon Series A, seeing exponential growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Kevin Laws of Angelist thru one of their angelist funds, our customers and many more ) i.e. this would be a good time to join
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit
Email admin@checkbook.io or pj [at] checkbook.io
We are solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, in fact according the 2016 report by the Federal Reserve 17.2 Billion paper Checks were sent in 2015, transferring a sum of money 5X times VISA/MC combined!
We’ve built a way to send images of Checks instantly in email and the recipient can Deposit them online by verifying their bank account instantly. Furthermore building and enabling a Blockchain for settlement enables instant verification and disbursement. Basically we are doing to paper Checks what Stripe and Square of have done to the Credit Card space.
We’re Seed stage, seeing high growth, have a small but great team and super investors (Tim Draper, Naval Ravikant/Levin Laws of Angelist thru one of their angels funds, our customers and many more )
Looking for both a back-end as well as a front-end engineer. Need to have a strong background in being able to write scalable software, preferably multi-paradigm, disciplined. - I’m the Founder of the company - this is a “co-founder” level opportunity - you’ll be working with me and other core people in the team. Work hard - play hard.
Our tech stack is Python, Angular, Postgres.
We move fast - if you’ve done a hackathon - we’ll probably want to do one with you and it’ll be clear if we are a mutual fit for each other
Email jobs@checkbook.io or admin@checkbook.io
We're solving the problem of paper Checks. Contrary to popular opinion paper Checks are not going away, 17.2 billion were written in 2015 in the US alone.
We've built a way to send Checks digitally via email. No signup. No app to download. Going after major paper Check distributors e.g. Class Action lawsuit distributors etc. Digital Checks provide overnight settlement and obviate chargebacks, proving to be an advantage over ACH
Email us at jobs@checkbook.io
I read your farewell letter when you left YC - you hit the nail on head by saying you haven't decided what to do because that would obviate the "founder's perspective". Founders who are going to a known from a known will never know the unknowns faced by a startup.
Everybody I've talked to has raves to say about you. We're solving the problem of paper Checks. People and Businesses are still writing paper Checks. Contrary to popular opinion, Checks moved 5X the money as VISA and MC combined in 2014. We're already seed funded but would love to talk more.
Also there's an API and integrations with Wordpress and Magento. Price is a fixed $1/Check. No percentages!
Disclaimer: I work for checkbook.io
Try sending ACH to your landlord or your Gardner or DMV. Or that class action settlement Check you received - why didn't they just ACH it to you ? In the former case - entities don't want to give out financial info to people they don't know. Even if they do how do you plan to initiate an ACH to your Landlord ? In the latter i.e. a business or an individual trying to pay you must go through an extensive process to collect your bank account info, that's assuming you are willing to part with it.Donald Knuth doesn't write Checks for this reason: http://www-cs-faculty.stanford.edu/~uno/news08.html
About ACH not being ubiquitous. Try ACH'ing from/to your Money Market account. There are over 100 million of them in the US. It won't work. Small Banks and Credit Unions - yes appx 12% of Credit Unions are not ACH enabled (stats are behind the NCUA firewall ). Just because large banks in large metros use ACH ubiquitously does not imply universality. But regardless that's just one point for one demographic. The big picture is getting payments without sharing bank info.
About your point about CapitalOne and Comcast not processing a Check as Check - that has been around for decades. Truncating a paper Check to ACH transaction to get rid of paper. We are going one step further. Not generating paper Check to begin with. If there is no paper Check there is no need to convert (i.e. truncate in bankers parlance) to ACH i.e. saves another step in the process and makes it more efficient
This is not about non-ACH banks, its about getting rid of 3 day ACH delay and building an experience where anyone can send a payment to anyone else without signing up, without going thru the cumbersome bank UI/UX, without sharing their bank account info and have it delivered in their mailbox. Free for individuals (up to 25 Checks) and businesses pay $1/Check.
We use both ACH as well as Check21 (which is a different network than ACH) and this allows us to do overnight credits. ACH Debits take 2-3 working days whereas Check21 can be overnight.
This avoids two problems with ACH i.e. account verification and 3 day delay in addition to some bank accounts not being ACH enabled.
The problem we are trying to solve is paper Checks are still being to pay individuals/businesses. ACH doesn't work for paying out because the recipient needs to verify account (a painful process if micro-deposits are being used ) and there is a delay of 3 business days. Credit Cards charge 2.9%+ which doesn't scale for larger transactions.
Having a simple solution that can disburse funds overnight to the recipient with having to send out paper, sign up for some service or pay 2.9% is what we are building
Different than the traditional echecks since it allows instant verification and works with bank accounts that may not be ACH enabled e.g. Money Market Accounts, Small Banks/Credit Unions that may not be ACH enabled
Everytime I read Sydney's reporting it was as if I was there and witnessing everything before my eyes. I wish there were more like him today
Which is why even today paper Checks are still prevalent by the billions. You can try Digital Checks though.