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Bank-pay checkout for stores that can't use card processors

Get paid by bank transfer. Confirmed automatically.

Your customers pay your own bank account with Zelle, ACH, wire, or USDC. Rekoup watches the money land, matches it to the right order, and marks it paid on your store in seconds. No memos. No screenshots. No processor to freeze you.

Get startedSee the demo

You pay the merchant directly. Rekoup confirms the payment and never holds your money.

Robin Raccoon checking a payment on his phone

Your store

Zelle

Send exactly

$147.23
Reserved for 5:42

You pay the store directly. Rekoup confirms the payment and never holds your money.

If you sell what the card networks won't touch, you know the drill.

Rekoup turns a bank transfer into a checkout.

  1. Each order gets a unique amount

    A $147.00 order becomes $147.23. The cents identify the order, so the customer doesn't need to type a memo or send proof.

  2. Rekoup watches your account

    Through a secure, read-only connection to your bank feed, with your bank's alert emails as a backup. Both sensors, deduplicated, so nothing is missed or counted twice.

  3. The order confirms itself

    When $147.23 lands, Rekoup matches it, marks the order paid on your store, and shows the customer a confirmation on the same screen. Anything unclear goes to a review queue instead of being guessed.

See exactly how it works

Every way a customer can push money to you.

See all rails and timing

Works with your store. Any store.

Rekoup never touches your money.

Your customer pays you directly. The money goes into your own bank account, your own Zelle, your own wallet. Rekoup only reads your account activity and tells your store when a payment has arrived. We can't hold your funds, we can't freeze them, we can't move them, and we never see your customer's bank details. This is software, not a payment processor, and that's the whole point.

Rekoup can

  • Read your bank account activity through a read-only aggregator connection you authorize
  • Read bank alert emails you forward or connect
  • Tell your store an order is paid
  • Show your customer a confirmation

Rekoup cannot

  • Hold funds
  • Move funds
  • Initiate a payment or a debit
  • See your customer's bank login or account number
  • Freeze, reverse, or delay a payment
  • Change your bank's terms
Read our security page
Little John standing guard

Simple pricing. No percentage of your sales.

Overage is 50 cents per confirmed order. Failed or unmatched payments are never billed.

See full pricing

Not sure it's a fit? Tell us about your store and we'll send you a straight answer.

A few details and a real person replies by email, usually the same day, with whether Rekoup fits, which rails to start with, and what setup looks like for your store.

What you sell: Choose what applies

Built inside a store that needed it.

Rekoup started as the payment system for N1 Aminos, a research peptide company that lost card processing and refused to keep reconciling Zelle by hand. It has been running there in production, confirming bank-transfer orders with zero double-posted payments.

“I stopped opening my bank app to check for deposits. The order just says paid.”
N1 Aminos

Questions merchants ask first

Stop checking your bank app.

Create your account and be confirming bank payments this week. Robin will count the money so you don't have to.

Get startedOr try the demo first
Robin counting the day's takings under a tree