iGaming Payment Solutions
Interchecks Review
Is It the Right Payment Solution for Your iGaming Business?
Adequate
Interchecks is the Brooklyn payouts platform whose client list reads like a US sportsbook top table: DraftKings, FanDuel, BetMGM and Fanatics Sportsbook sit next to Credit Karma Money and ZayZoon. Founded in 2016 by CEO Dylan Massey, roughly 55 people, private, and profitable since 2023 with seven straight years of triple-digit net revenue growth by its own account. The product is disbursements as an API: Push to Card over Visa Direct and Mastercard Send with a 10-second claim, Real-Time Payments through The Clearing House, ACH at one day, PayPal and Venmo payouts, and paper checks for the long tail. In June 2026 it closed a $50M Series C co-led by Bettor Capital, the gambling-specialist VC that entered BR-DGE the same month, and used the announcement to take Account Funding Transactions live, which adds the deposit side: debit-credential funding with money typically available in 30 minutes. The company states $50B+ processed across its ten years and 99.99% uptime. The catch list is short but real: US only, USD only, no published pricing anywhere, no card acquiring, and the sportsbook names are the company's own claim rather than operator-confirmed contracts. Underneath that list sits a layer anyone can check: Tennessee's Sports Wagering Council register carries Interchecks Technologies, Inc. as a vendor since August 2021, Wyoming's Gaming Commission lists it among Online Sports Wagering Vendors, and Paysafe documents Interchecks as the instant-withdrawal method inside its own Payments API.
Quick Info
- Type
- Payout Specialist
- Founded
- 2016
- HQ
- Brooklyn, New York, USA
- Pricing
- Custom
- APMs
- 8
- Settlement
- Prefunded
iGaming Score
- iGaming Fit
- 6.0
- Geographic Coverage
- 2.5
- Security & Compliance
- 6.0
- Fees & Pricing
- 5.8
- Tech & Integration
- 5.0
- User Trust
- 5.0
Our iGaming Score: 5.1/10
Weighted scoring across five criteria
| Criterion | Weight | Score | Rating |
|---|---|---|---|
| iGaming Fit Regulated-US sportsbook wall (DraftKings, FanDuel, BetMGM, Fanatics) plus TN/WY vendor registers, but every operator name is company-stated | 30% | 6.0 | Adequate |
| Geographic Coverage One country, one currency, by design: every rail is a US-domestic instrument | 22% | 2.5 | Insufficient |
| Security & Compliance PCI DSS validated, SOC 2 Type 2, state gaming vendor registrations; no public NMLS/MSB record (processor model) | 20% | 6.0 | Adequate |
| Fees & Pricing Nothing published: no rate card, no setup fee, no minimum, plus a wire-prefunded liquidity balance | 16% | 5.8 | Adequate |
| Tech & Integration Public v2 REST docs with an API Test Harness; reachable through Paysafe's Payments API; no SDKs or GitHub | 12% | 5.0 | Adequate |
| User Trust No Trustpilot, G2 or Capterra profile: players never see the brand, so no review surface exists | 0% | 5.0 | Adequate |
| Overall | 100% | 5.1 | Adequate |
We score each provider on 5 weighted criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 30% because that is what matters most for gambling operators. Geographic Coverage gets 22%. Security & Compliance gets 20%. Fees & Pricing gets 16%. Tech & Integration gets 12%. The final score is a weighted average of those 5. Trustpilot is shown for context but carries no weight, since player reviews of casinos are not a read on B2B acquiring quality.
Score Explanation
The capability score lands where a young catalog entry with thin public disclosure should land, and the floor reflects how little Interchecks makes public rather than how the product performs. iGaming Fit is the strongest dimension in substance: the client wall is regulated-US gaming at the very top of the volume pyramid, the Series C was co-led by a gambling-specialist VC, and the state vendor registrations in Tennessee (August 2021, renewed August 2024) and Wyoming are register-grade proof that Interchecks operates inside the regulated perimeter. What caps it is that every operator name is company-stated: no operator help center, case study or filing confirms DraftKings or FanDuel from the operator side, so the tier gate treats them as unverified references. Geographic Coverage is honestly minimal, one country and one currency, which is a product decision rather than a gap but scores like a gap in a global comparison. Fees cannot score well because nothing is published: no rate card, no floor, no setup fee, and the prefunded liquidity model, where merchants wire a balance before payouts run, adds a treasury cost no headline rate would capture anyway. Security and Compliance rests on PCI DSS validation, SOC 2 Type 2 and the state registers, with one asterisk: no public NMLS or money-transmitter record exists and Interchecks makes no MSB claim, which matches the processor model where the regulatory load sits with the card networks and partner banks, the same shape Aeropay documents explicitly. Tech and Integration benefits from a genuinely public docs portal (v2 REST API with an API Test Harness sandbox, v1 archived) and from the Paysafe integration, which means an operator already on Paysafe can switch on Interchecks withdrawals without a direct build. User Trust is structurally unmeasurable: no Trustpilot, G2 or Capterra profile exists because players withdraw inside the operator's cashier and never meet the Interchecks brand.
Who Is Interchecks Best For?
The operator profiles that fit, and the ones that do not
Recommended For
- US books competing on withdrawal speed. Withdrawal speed as a competitive metric is the whole case: the 10-second push-to-card claim plus RTP and instant wallet payouts covers the fast lane, ACH and checks cover everyone else, and one API covers all of it.
- Paysafe merchants adding instant card payouts. Already on Paysafe and want instant card withdrawals without a new vendor build? The Paysafe Payments API exposes Interchecks as a standalone-credit method against saved debit cards, US-only, with a $25,000 per-transaction ceiling.
- Operators wanting tier-1-proven rails. Tier-1 and aspiring tier-1 books get the payout rail their biggest competitors reportedly use. If the DraftKings and FanDuel references check out in your reference calls, this is infrastructure proven at the highest US volume.
- US gaming apps needing payouts plus AFT deposits. Adjacent regulated verticals (DFS, fantasy, sweepstakes migrating to regulated models) get mass payouts and the new AFT deposit rail from one counterparty, which is a shorter vendor list than the same capability assembled separately.
Not Recommended For
- Non-US player bases. Interchecks has no international rails at all: no SEPA, no cross-border, no multi-currency. Every instrument it runs is US-domestic, so a player base outside the United States needs a second provider from day one. Inpay covers 90+ countries for exactly this case.
- Operators needing acquiring or a cashier. Interchecks moves money out and funds accounts in; it does not run merchant card acquiring, host a cashier or aggregate APMs. AFT and Pay-by-Bank cover debit-credential and bank funding, and that is the extent of the money-in side. It is a layer in the stack, never the stack.
- Crypto-first platforms. No crypto support of any kind, in either direction. NOWPayments or CoinsPaid territory.
- Published-pricing requirements. Nothing about the commercials is public, and the prefunding model means the true cost includes working capital that only surfaces in the commercial discussion. Anyone who needs numbers before a sales call will not get them here.
- Small sales-averse operators. Volume below the level that justifies sales-led onboarding is a poor fit: the client base and the under-60-days integration claim both point at mid-market and up.
- Licensed-counterparty mandates. Compliance frameworks that mandate a directly licensed money transmitter as counterparty will stall here. No public NMLS or MSB record exists, and the network-program processor model has to be documented and accepted during diligence.
Geographic Coverage
Per-market verdict, regions, and market focus
One provider, two answers. The verdict flips depending on who is asking, and that is the point. The overall score rates the company. This rates the fit for your market.
Offshore operator
Curaçao / Anjouan license, serving grey and restricted markets.
Licensed operator
Holds the local license in a regulated market.
Market-by-market verdict
For an offshore operator: Solid as a casino processor in United States, and across the markets below.
| Market | Casino | Sportsbook |
|---|---|---|
| US United States | Solid59 Provider-claimed | Solid59 Provider-claimed |
The tier is the verdict. The small number orders providers inside a tier; it is not a provider-level score. The grey line under each verdict is the evidence grade: Verified means named clients we can point to, Register-verified means the entry stands in a regulator's own register, Trade-known means known in the trade, Provider-claimed means the provider's word, discounted in the math. Full method on our methodology page.
Regions
- North America
Coverage Analysis
United States only, USD only. That is the product, not a limitation the roadmap forgot: every rail Interchecks runs (Visa Direct and Mastercard Send domestic disbursements, TCH RTP, NACHA ACH, US PayPal and Venmo, US checks) is a US-domestic instrument. An operator with players outside the US needs a different provider for every other market, full stop.
Regional Breakdown
Within the US, coverage follows the rails rather than state lines: push-to-card reaches any US Visa or Mastercard debit card, RTP reaches players whose banks sit on The Clearing House network, ACH reaches everyone with a bank account. The state-by-state question is regulatory, not technical, and the two register entries (Tennessee, Wyoming) plus the tier-1 operator roster suggest the registration footprint tracks wherever its sportsbook clients launch. Confirm the specific state list during procurement.
Key Features for iGaming Operators
Products, payment methods, and verticals
Key Products
Push to Card payouts (10-second claim), Real-Time Payments, ACH payouts, PayPal / Venmo payouts, paper checks, AFT debit-credential deposits (GA June 2026), Pay-by-Bank funding
One platform, two directions. Money out: Push to Card sends winnings to a Visa or Mastercard debit card over Visa Direct and Mastercard Send, with the company claiming 10 seconds to card; Real-Time Payments settle instantly through The Clearing House for players whose banks are on the RTP network; ACH covers everyone else at one day; PayPal and Venmo payouts are instant into wallets; paper checks exist for the five-day long tail. Money in, since June 2026: Account Funding Transactions let a business fund an eligible account from a debit credential in real time, with funds typically available within 30 minutes, wrapped in account verification, duplicate-card detection, customizable velocity limits and suspicious-activity monitoring. Pay-by-Bank funding rounds out the deposit side. Everything is API-first: recipients, payment accounts and payments as REST objects, webhooks for state changes, and the operator's own cashier as the only brand the player sees.
Payment Methods
Eight rails under one API. Payouts: Push to Card (Visa Direct / Mastercard Send, debit only), Real-Time Payments (The Clearing House), ACH, PayPal, Venmo, and paper checks. Funding: AFT debit-credential deposits and Pay-by-Bank. That is a payout specialist's catalog with a funding side bolted on, not a cashier: no merchant card acquiring, no APM aggregation, no cash network, no crypto. The card rail carries a documented constraint set: US only, Visa and Mastercard debit cards only, $0.01 minimum and $25,000 maximum per transaction, no refunds, disputes not applicable.
Verticals
Sports betting and iGaming lead, and the company says so with its logo wall rather than a vertical landing page: BetMGM, DraftKings, FanDuel and Fanatics Sportsbook are the first names a visitor sees. Fintech (Credit Karma Money), earned wage access (ZayZoon), financial institutions and marketplaces fill out the rest. The Series C investor list is the tell: when Bettor Capital co-leads your round, gaming is not a side vertical.
- iGaming
- Sports Betting
- Fintech
- Financial Institutions
- Earned Wage Access
- Marketplaces
| Feature | Status | Details |
|---|---|---|
| Deposit Processing | Available | 8 payment methods, AFT: real-time processing, funds typically available within 30 minutes; Pay-by-Bank instant |
| Withdrawal / Payout | Available | Push to Card ~10 seconds; RTP instant; PayPal/Venmo instant; ACH 1 day; checks 5 days |
| Instant Withdrawals | Available | Push to Card ~10 seconds; RTP instant; PayPal/Venmo instant; ACH 1 day; checks 5 days |
| KYC / AML Built-in | Available | Semi-auto (account verification, duplicate-card detection, velocity limits, suspicious-activity monitoring on AFT) |
| Chargeback Protection | Available | Zero exposure (push payments are irrevocable; no refunds, disputes not applicable per the Paysafe developer hub) |
| Multi-Currency | Not available | USD |
| API Integration | Available | REST API (JSON), recipient/payment-account/payment objects, webhooks |
| Local Payment Methods | Available | Local rails in 1 market |
| iGaming Specialization | Available | 10-second Push to Card + RTP + ACH payouts, AFT debit deposits, 99.99% uptime claim, $50B+ processed |
| Geographic Coverage | Available | 1 country across North America |
Pricing & Fee Structure
Fee structure and pricing model
Rate Card
Custom (not published)
Custom (not published)
Prefunded (merchant maintains a liquidity balance funded by wire)
8
None published (prefunded model: merchant wires a liquidity balance before payouts run)
Not published
Not published
No
Pricing Details
Nothing is published: no rate card, no per-rail pricing, no setup fee, no minimum volume. That puts Interchecks in the same disclosure class as Pavilion and Sightline, the other US gaming payout infrastructure names, and below Aeropay, which at least blogs about category economics. For calibration only: US push-to-card disbursements at volume generally price around 1% plus fixed cents per transaction, ACH runs cheaper, RTP sits between, and those are category norms, not Interchecks quotes. The second cost is capital: the prefunded liquidity balance, wired in advance, means payout volume times average float days of working capital sits with Interchecks rather than in the operator's treasury.
Negotiation Tips
Come to the negotiation with your rail mix modeled: share of payouts that would go push-to-card versus RTP versus ACH, average payout size, and monthly payout volume. Price each rail separately, because a blended rate hides the fact that ACH-heavy books should pay far less than push-to-card-heavy ones. Ask for the prefunding terms in writing: minimum balance, replenishment cadence, and whether interest accrues to you or to them, since at tier-1 volume the float economics can matter as much as the per-transaction fee. If you already run Paysafe, test the integration through Paysafe's Payments API first; it turns the build into a configuration decision and gives you usage data before a direct contract. Benchmark against Aeropay (A2A instant payouts, no card rail) and Pavilion (VIP Preferred ecosystem) so the quote has real competitive pressure behind it.
Speed & Settlement
Transaction processing and settlement timelines
AFT: real-time processing, funds typically available within 30 minutes; Pay-by-Bank instant
Player-initiatedPush to Card ~10 seconds; RTP instant; PayPal/Venmo instant; ACH 1 day; checks 5 days
Operator payoutPrefunded (merchant maintains a liquidity balance funded by wire)
To operator accountUSD only
Settlement optionsSpeed is the entire pitch, and the claims are specific enough to hold the company to: 10 seconds to card on push-to-card payouts, instant RTP, instant PayPal and Venmo, one-day ACH, five-day checks, and AFT deposits typically available within 30 minutes. For a US sportsbook, that menu covers the two payout experiences that drive retention math: the player who wants winnings on their debit card before the game ends, and the operator who wants payout liability off the books the same day. The structural note is prefunding: merchants maintain a liquidity balance with Interchecks funded by wire, so instant for the player means pre-positioned capital for the operator. That is the standard trade in US instant disbursements (Pavilion and Aeropay make versions of the same trade), but it belongs in the treasury model before anyone signs: at real payout volume, the working capital parked in the prefunded balance is a cost line the headline speed never mentions.
Integration & Tech
Developer experience and technical capabilities
- API Type
- REST API (JSON), recipient/payment-account/payment objects, webhooks
- Onboarding
- Sales-led; under 60 days to live per the company
- Sandbox
- API Test Harness in the public docs portal (docs-v2.interchecks.com) for exercising payout and AFT workflows
- Mobile SDK
- No
- White-Label
- API-first platform embedded in the operator's own cashier; recipients see the operator brand
- Docs Quality
- Good
Integration Time
Under 60 days to go live (company-stated)
Pre-Built iGaming Integrations
- Paysafe (Payments API)
Integration Assessment
Two ways in. Direct: a public REST API documented at docs-v2.interchecks.com, JSON throughout, built around recipients, recipient payment accounts and payments, with an API Test Harness for exercising payout and AFT workflows before go-live; an archived v1 portal shows the platform's documentation has a history, not just a launch. The company claims under 60 days to go live. Indirect: operators already on Paysafe can enable Interchecks as the instant-withdrawal method inside Paysafe's Payments API (standalone credits against a saved card's payment handle token), which is the rare case where a payout specialist is reachable inside a tier-1 PSP's own API without a separate integration project. The gap: no public mobile SDKs, no GitHub organization, no npm packages.
Risk & Compliance
Licensing, fraud prevention, and regulatory compliance
- KYC/AML Automation
- Available. Semi-auto (account verification, duplicate-card detection, velocity limits, suspicious-activity monitoring on AFT)
- Chargeback Protection
- Available. Zero exposure (push payments are irrevocable; no refunds, disputes not applicable per the Paysafe developer hub)
- Licenses
- PCI DSS validated, SOC 2 Type 2; state gaming vendor registrations (TN SWAC 8/18/2021 renewed 8/18/2024; WY Online Sports Wagering Vendors list); network partnerships: Visa, Mastercard, Plaid, NACHA, The Clearing House
- Fraud Prevention
- Account verification, duplicate card detection, customizable velocity limits, suspicious activity monitoring (AFT, per the Series C release)
- Responsible Gaming
- No
- Tokenization
- Stored recipient payment accounts and saved debit credentials; PCI DSS validated
- Dispute Resolution
- Not published
Compliance Context
PCI DSS validated, SOC 2 Type 2, and 99.99% uptime on its own numbers. Fraud controls ship with the AFT deposit product: account verification, duplicate-card detection, customizable velocity limits and suspicious-activity monitoring. Push payouts are irrevocable by rail design, which removes chargeback exposure on the money-out side entirely; the AFT deposit side touches network dispute rules, which is exactly why the fraud tooling concentrates there. Player KYC remains the operator's job; Interchecks verifies payment credentials, not identities.
Regulatory Position
Interchecks states PCI DSS validation and SOC 2 Type 2. The register-grade layer: Tennessee SWAC vendor registration (initial August 18, 2021, most recent renewal August 18, 2024) and a listing on Wyoming's Online Sports Wagering Vendors roster, both current on the regulators' own registers as of July 2026. Network relationships listed by the company: Visa, Mastercard, Plaid, NACHA and The Clearing House. The absences matter too: no public NMLS record, no state money-transmitter license, and no MSB registration claim anywhere. That is consistent with the processor model, where the card networks' disbursement programs and partner banks carry the regulatory perimeter and the platform rides inside it; Aeropay documents the same shape explicitly for its own stack. Operators running state-by-state compliance should ask Interchecks directly which additional state gaming registrations it holds beyond those two, since most state registers are not publicly searchable in one place.
About Interchecks: Company Background
Company and product information
- Company Name
- Interchecks
- Headquarters
- Brooklyn, New York, USA
- Founded
- 2016
- Employees
- ~55 (trade-press profile, June 2026)
- Company Type
- Private
- Product Type
- Payout Specialist
- Licenses
- PCI DSS validated, SOC 2 Type 2; state gaming vendor registrations (TN SWAC 8/18/2021 renewed 8/18/2024; WY Online Sports Wagering Vendors list); network partnerships: Visa, Mastercard, Plaid, NACHA, The Clearing House
- Key Products
- Push to Card payouts (10-second claim), Real-Time Payments, ACH payouts, PayPal / Venmo payouts, paper checks, AFT debit-credential deposits (GA June 2026), Pay-by-Bank funding
- Website
- interchecks.com
- Supported Verticals
- iGaming, Sports Betting, Fintech, Financial Institutions, Earned Wage Access, Marketplaces
- Integration Type
- REST API (JSON), recipient/payment-account/payment objects, webhooks
- Settlement Speed
- Prefunded (merchant maintains a liquidity balance funded by wire)
- Onboarding Speed
- Sales-led; under 60 days to live per the company
- Named iGaming Clients
- DraftKings, FanDuel, BetMGM, Fanatics Sportsbook
Company History
Founded in 2016 in Brooklyn, New York by Dylan Massey (CEO and co-founder). The first decade was quiet by design: no consumer brand, no press cycle, just disbursement infrastructure sold to platforms that needed to send money to people fast. The company states $50 billion processed across those ten years and claims profitability since 2023, with triple-digit net revenue growth for seven consecutive years.
The regulated-gaming footprint is older than the funding headlines. Tennessee's Sports Wagering Council register shows Interchecks Technologies, Inc. registered as a vendor on August 18, 2021 and renewed on August 18, 2024, and Wyoming's Gaming Commission lists the company among its Online Sports Wagering Vendors alongside PayNearMe, Paysafe, Sightline and Skrill USA. Somewhere in this period the sportsbook roster was built. Interchecks now names DraftKings, FanDuel, BetMGM and Fanatics Sportsbook as clients.
June 15, 2026 is the visibility moment: a $50M Series C co-led by Bettor Capital, Commerce Ventures, Decades Holdings and Thayer Street Partners, announced together with the general availability of Account Funding Transactions, the deposit-side product. Bettor Capital's participation is the industry signal, since the same gambling-specialist VC led BR-DGE's raise the same month; gaming-payments capital is consolidating around a handful of infrastructure names, and Interchecks is one of them.
What Users Say About Interchecks
What the review record shows, and what it does not
Trustpilot Presence
Interchecks has no Trustpilot profile as of July 2026. That is the norm for B2B disbursement rails: the player withdraws inside the sportsbook's cashier and never sees the Interchecks brand, so consumer reviews have nowhere to come from. Evaluate it through the state gaming registers, the Paysafe integration, and direct reference calls with operators instead.
Named iGaming Clients
DraftKings, FanDuel, BetMGM, Fanatics Sportsbook
Interchecks names six clients: DraftKings, FanDuel, BetMGM, Fanatics Sportsbook, Credit Karma Money and ZayZoon. Four of those are the top of US regulated sports betting, and a June 2026 trade-press profile repeats them. All four remain the company's own claim, because every trail leads back to Interchecks itself: no operator has confirmed the relationship from its own side, in a help center, a case study or a filing. That is normal for white-label disbursement infrastructure, and it is still the difference between a reference and a claim. The non-gaming names (Credit Karma Money for fintech, ZayZoon for earned wage access) show the platform is not gaming-exclusive, which cuts both ways: diversified revenue, but gaming is clearly the flagship vertical the investors priced.
Operational Details
Business terms, contracts, and support
- Dedicated Account Manager
- Yes
- Minimum Monthly Volume
- Not published. Client base skews tier-1 US sportsbooks and fintechs; sales-led onboarding.
- Contract Lock-In
- Not published
- Migration Support
- Yes
- Min/Max Transaction
- $0.01 - $25,000 per push-to-card transaction (per the Paysafe developer hub)
- Mass Payouts
- Real-time (Push to Card, RTP) + batch ACH + PayPal/Venmo + checks · $25,000 per push-to-card transaction (Paysafe hub); no published aggregate limit
- Biometric / One-Click
- No
- Reporting
- Transaction reporting via API; gateway IDs for reconciliation in the Paysafe integration
Sales-led onboarding with no self-serve path and no published floor, aimed at mid-market and above: the client base skews tier-1 US sportsbooks and fintechs, and the company puts go-live under 60 days. The commercial structure has two moving parts an operator has to model before signing. First, pricing is quoted per rail and never published, so an ACH-heavy book and a push-to-card-heavy book at the same volume will see very different numbers. Second, payouts run against a liquidity balance the merchant wires in advance, which turns instant player withdrawals into a working-capital line sitting at Interchecks rather than in the operator treasury; ask who earns interest on it. Support runs through a named account contact, reporting comes over the API, and merchants already on Paysafe get gateway IDs for reconciliation through that integration rather than a second data feed. The $50M Series C of June 2026, co-led by Bettor Capital, and the AFT launch that came with it are why this vendor is suddenly in procurement conversations it was not in a year ago.
Frequently Asked Questions
8 questions about Interchecks
Interchecks Technologies, Inc. is a private instant-payouts platform founded in 2016 in Brooklyn, New York, led by CEO and co-founder Dylan Massey with a team of roughly 55. It stayed founder-led and quiet for a decade, then raised a $50M Series C in June 2026 co-led by Bettor Capital, Commerce Ventures, Decades Holdings and Thayer Street Partners. The company states it has processed over $50 billion and has been profitable since 2023.
Interchecks names DraftKings, FanDuel, BetMGM and Fanatics Sportsbook as clients, alongside fintech names Credit Karma Money and ZayZoon, and trade press repeats the sportsbook list. Every one of those names traces back to Interchecks' own logo wall, and no operator-side confirmation exists in any help center, case study or filing. Treat the roster as company-stated and confirm it in reference calls.
The published claims: 10 seconds to a US debit card via Push to Card (Visa Direct / Mastercard Send), instant for Real-Time Payments through The Clearing House, instant for PayPal and Venmo, one day for ACH, five days for paper checks. The card rail caps a single transaction at $25,000. The structural caveat is prefunding: payouts draw on a liquidity balance the operator wires in advance, so the speed is real but capital-backed.
Both, since June 2026. Account Funding Transactions (AFT) went generally available with the Series C: a business can fund an eligible account from a debit credential in real time, with funds typically available within 30 minutes, wrapped in account verification, duplicate-card detection, customizable velocity limits and suspicious-activity monitoring. Pay-by-Bank funding covers the bank-rail deposit path. It is still not card acquiring: there is no merchant acquiring product, no cashier, no APM aggregation.
It holds state gaming vendor registrations, which is the instrument US states actually use for payment vendors: Tennessee's Sports Wagering Council register carries the initial registration of August 18, 2021 and a renewal on August 18, 2024, and Wyoming lists Interchecks among its Online Sports Wagering Vendors. It is PCI DSS validated and SOC 2 Type 2. No public NMLS or money-transmitter record exists and Interchecks makes no MSB claim, consistent with the processor model where card-network disbursement programs and partner banks carry the regulatory perimeter; ask for the full state registration list and the bank structure during diligence.
Interchecks publishes nothing: no rate card, no setup fee, no minimum volume anywhere. For calibration, US push-to-card disbursements at volume generally run around 1% plus fixed cents per transaction as a category norm, with ACH cheaper and RTP between, but those are norms, not Interchecks prices. Budget separately for the prefunded liquidity balance, which parks operator working capital against future payouts.
Yes, and Paysafe documents it publicly: Interchecks runs as an instant card withdrawal method in the Payments API, executed as a standalone credit against a saved card's payment handle token. The constraints: US only, Visa and Mastercard debit only, $0.01 to $25,000 per transaction, no refunds, disputes not applicable, and the merchant maintains a wire-funded liquidity balance with Interchecks. For operators already on Paysafe, that turns instant card payouts into configuration rather than a vendor project.
Same problem, different rails. Interchecks pushes payouts to debit cards over Visa Direct and Mastercard Send (plus RTP, ACH, PayPal, Venmo, checks); Aeropay moves money over bank rails only (ACH, RTP, FedNow via sponsor banks) with its own Aerosync bank-linking layer and no card rail at all. Aeropay's gaming clients are operator-confirmed, with PrizePicks and Kalshi naming it themselves; Interchecks' bigger names are company-stated. Aeropay leans DFS, prediction markets and sweepstakes; Interchecks' wall is regulated sportsbooks. Books that want card-destination payouts pick Interchecks; books that want card-free A2A economics pick Aeropay; tier-1 operators commonly run both patterns.
Our Verdict: Should You Use Interchecks?
Final assessment for iGaming operators
Overall iGaming Score
Summary
Interchecks is the payout rail behind the biggest names in US sports betting, if you take the company at its word, and a register-verified, decade-old, profitable disbursement platform even if you do not. The product is exactly one thing done at speed: money out of a US gaming account and onto a player's debit card in seconds, with RTP, ACH, wallets and checks behind it, and since June 2026 a debit-funded deposit rail (AFT) in front of it. The $50M Series C co-led by Bettor Capital prices gaming as the flagship vertical. The limits are equally clean: one country, one currency, zero published pricing, a prefunded treasury model, and a client roster whose evidence grade is the company's own logo wall. For a US book that already has acquiring solved, it is one of a very short list of payout specialists actually built for this market; for everyone else it is a component that solves nothing alone.
Strongest Point
The payout rail menu at claimed tier-1 scale: 10-second push-to-card plus RTP plus instant wallets under one API, register-verified gaming vendor status in Tennessee and Wyoming, and a documented path into Paysafe's own Payments API that makes it switch-on-able for Paysafe merchants. No other payout specialist here combines US card-destination speed with that kind of platform reach.
Key Limitation
Evidence asymmetry. The capability claims are specific and the infrastructure is real, but the four sportsbook names carrying the pitch are company-stated with zero operator-side confirmation in public, the pricing is fully opaque, and there is no consumer or B2B review record to triangulate. Everything an operator would sign for must be verified in reference calls and diligence, because the public record stops at the logo wall, the two state registers and the Paysafe integration.
Recommendation
Shortlist Interchecks if you run a US-licensed book and payout speed is on your KPI sheet: it is one of perhaps four realistic options for instant US payouts and the only one reachable through Paysafe as configuration. Enter the conversation with your rail mix modeled and prefunding terms on the agenda, and make the operator references the gate: if the tier-1 names confirm, you are buying proven infrastructure; if they do not, the price of that logo wall was one phone call. Skip it entirely if your players are outside the US or you need acquiring in the same contract.
Pros
- Payout speed at the retention-critical rail: 10 seconds to a US debit card via Visa Direct and Mastercard Send, instant RTP, instant PayPal and Venmo, all under one API. For US books competing on withdrawal experience, this is the exact capability that moves the number.
- The client wall is the top of US regulated gaming: DraftKings, FanDuel, BetMGM, Fanatics Sportsbook. Company-stated, but seven years of triple-digit growth and profitability since 2023 are hard to assemble from churning references.
- Register-verifiable regulated footprint: Tennessee SWAC vendor since August 2021 (renewed 2024), Wyoming Online Sports Wagering Vendors list. Both entries sit on the regulators' own registers, which is the rare case where a client-side claim can be checked against a public record.
- Reachable through Paysafe without a direct build: Paysafe documents Interchecks as the instant-withdrawal method in its own Payments API, so Paysafe merchants can switch it on as configuration.
- Both directions of the cashier since June 2026: AFT debit-credential deposits (30-minute availability, with account verification, duplicate-card detection and velocity limits) plus Pay-by-Bank funding, alongside the payout stack.
- Zero chargeback exposure on the payout side by rail design: push payments are irrevocable, with no refunds and disputes not applicable.
Cons
- US only, USD only. Every rail is a US-domestic instrument; any player base outside the US needs a second provider on day one.
- No published pricing of any kind: no rate card, no setup fee, no minimum. Budgeting starts at a sales call, and small operators have no way to know whether they are in the addressable market at all.
- Every sportsbook client is company-stated: no operator-side confirmation exists in public for DraftKings, FanDuel, BetMGM or Fanatics. The names are plausible and repeated by trade press, but the evidence grade is the logo wall.
- Prefunded liquidity model: payouts run against a balance the operator wires in advance, so instant player payouts are funded by operator working capital parked at Interchecks.
- No public money-transmitter or MSB record exists: the processor model explains it, but compliance teams that require a licensed counterparty rather than a network-program processor will need the bank and network structure documented during diligence.
- Thin public developer ecosystem beyond the docs: no mobile SDKs, no GitHub organization, no npm packages, and no Trustpilot, G2 or Capterra record to triangulate service quality.
Ready to evaluate Interchecks for your business?
Interchecks vs. Alternatives: How It Compares
Similar payment processing solutions
The comparison set depends on which half of Interchecks you need. For US instant payouts specifically, Aeropay does it over A2A rails (RTP/FedNow, no card rail) with named DFS and prediction-market clients, and Pavilion Payments does it inside the VIP Preferred ACH ecosystem that already sits on every US regulated cashier. For payouts outside the US, Inpay is the payout specialist with 90+ country reach. For collapsing payouts into a full-stack contract, PayNearMe covers cards, ACH, cash at retail and push-to-debit payouts in one platform, and Paysafe (which exposes Interchecks through its own API) brings acquiring plus wallets plus the same instant-withdrawal rail. Most tier-1 US books run several of these at once and route by rail availability and cost.
When to Choose an Alternative
- Aeropay
Choose Aeropay if you want US instant payouts over bank rails instead of cards: RTP and FedNow through sponsor banks, Aerosync bank linking, named clients (PrizePicks, Kalshi, Dabble) with operator-side confirmation, and pay-by-bank deposits in the same stack.
- Pavilion Payments
Choose Pavilion Payments if you want payouts inside the ecosystem players already know: VIP Preferred ACH with 3M+ enrolled patrons, RTP and FedNow support, plus land-based cage integration no pure API vendor offers.
- Inpay
Choose Inpay if your payout problem is international: 90+ countries over local bank rails, T+0 to T+1 operator settlement, 0% chargeback liability, and a $150k monthly floor. The two are complements, not competitors: Inpay has no US-domestic push-to-card.
- PayNearMe
Choose PayNearMe if you want payouts and deposits in one US full-stack contract: cards, ACH, cash at 62,000+ retail locations, and push-to-debit payouts, with deep US gaming licensing. Heavier platform, broader surface, one counterparty.
Nuvei
Paysafe
Trustly- 7.4
Inpay
Payout Specialist- Deposit Fee
- Custom 0.5-2%
- Settlement
- Instant / T+1
- Methods
- Not published
- Rating
- 3.2/5
- 5.3
Aeropay
Open Banking PSP- Deposit Fee
- Custom (pay-by-bank; ~1-1.5% category norm, unpublished)
- Settlement
- Same day
- Methods
- Not published
- Rating
- 3.7/5
- 5.7
PayNearMe
Full-Stack PSP- Deposit Fee
- Custom (Interchange+, Tiered, or Fixed)
- Settlement
- T+1 - T+3
- Methods
- 9
- 5.2
Pavilion Payments
Regional Gaming PSP- Deposit Fee
- Free for players; operator pricing custom
- Settlement
- T+1 - T+3
- Methods
- 6
Related Reading
Operator guides and analysis relevant to evaluating Interchecks.
End of Report. Interchecks Provider Assessment Report 2026
Prepared and reviewed by the iGaming Payment Solutions Editorial Team ·