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cover art for Checkbook with Jose Luis Salas Calcàneo | E271

Fintech Impact

Checkbook with Jose Luis Salas Calcàneo | E271

Ep. 271
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Jason talks to Jose Luis Salas Calcáneo, Sales Manager at Checkbook.io. It is an online platform for not just processing payments and pushing money to where you need to be but doing it in every method from digital to the old-school methodology of SNL.


Episode Highlights

  • 00:43: As per Jose checkbook is 6 in one payment disbursement platform. They have six different railways in which they can disburse money, and the beauty of the platform is that the recipient can choose how they want to receive money.
  • 02:06: Instead of focusing on the people who were sending money, leaders at Checkbook decided to give a nice experience to the recipient. 
  • 03:55: Real-time payments depend upon both people having an account and a balance.
  • 05:43: Jose talks about paper cheques and how they still provide it to the end users. 
  • 07:47: Jose explains instant payments that entail instantly moving money from your existing Visa and MasterCard.
  • 09:47: Besides trying to convince people to value, funding something that basically has physical checks really shows a fly on the wall for that one.
  • 12:45: Jose says that they sign a contract, and then they have an onboarding process.
  • 13:34: There are people who want to use Instant Pay, NBC only, or ACGH and RTP, but we need to enable that we see what is the full experience for your final recipients we test, validate and deploy, says Jose.
  • 14:11: Jose explains how they integrate with some accounting and integrate with accounting seed, SAGE interact, and QuickBooks. 
  • 15:41: Jose talks about the benchmarking on how much time and effort is saved by AP departments in terms of being able to streamline the processes.
  • 17:24: Jose talks about the migration problem and the unbanked people. He would love to bring a solution for them.
  • 19:34: Jose loves connecting with people and solving problems.


3 Key Points

  1. Jose talks about the six channels of payment that they have in place at Checkbook.io.
  2. Checkbook is the bridge to the old world and the new world.
  3. Jose explains if they have any integrations into billing processing software or is it just all native.


Tweetable Quotes

  • "We are also one-sided platform. For example, if you wanted to send money. You and me in some other environments, we both need to be in the same environment." - Jose Luis Salas Calcáneo
  • "With the printed checks that we are doing now, we are just implementing the magnetic ink, which it might sound like that is not that important, but you have no idea how important this is." - Jose Luis Salas Calcáneo
  • "Sometimes people actually don't want to reveal their account number, routing number, and it makes sense." - Jason
  • "This is getting a lot of traction mostly in loyalty programs, people want to pay their customers, for example, for being loyal and being our current customer using these cards, and it's real." - Jason
  • "We connect with the API of flat, then everything gets connected, and it's done. So you have a lot of money in reprocessing and returns." - Jose Luis Salas Calcáneo


Resources Mentioned


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