How it works
A bank transfer that behaves like a card payment.
Here is the whole mechanism, no hand-waving. If you've ever reconciled Zelle by hand, you'll see why it works.
The unique amount does the matching.
When a customer chooses to pay by bank, Rekoup reserves a payable amount for that order that no other open order shares. A $147.00 order becomes $147.23. The customer sends exactly that, from any bank, with any memo or none. When $147.23 arrives, there is exactly one order it can belong to. The nonce is a few cents, it's held for six hours, and it recycles when the order is paid or expires. This is the same technique crypto checkouts and instant-payment systems in other countries have used for years. Rekoup applies it to the rails American merchants actually have.
Open intents · pay@demostore.example
- #1042total $147.00$147.23
- #1043total $147.00$147.41
- #1044total $147.00$147.07
- #1045total $89.50$89.50
Three orders for $147.00, three different amounts to send. The one that arrives is the one that gets paid.
Two ways of seeing the money, deduplicated.
Rekoup watches for inbound payments through a read-only connection to your bank feed, provided by a bank data aggregator, the same kind used by budgeting and accounting apps. As a backstop it can also read the alert emails your bank sends when a Zelle or transfer arrives. Every sighting carries a unique identifier from its source, so a payment seen by both sensors is applied once, never twice. For USDC, a chain watcher does the same job against your own wallet address.
- Bank feed
- Bank alert email
- Chain watcher · USDC
Confident matches confirm. Everything else waits for you.
An exact unique-amount match confirms automatically. A payment that's within a few dollars over the expected amount, from a sender whose name matches the order, and with only one possible order, also confirms. Anything short of that, an underpayment, two possible orders, an unknown sender with no memo, lands in your review queue with the candidates lined up and a one-click confirm. Rekoup never guesses, and every automatic decision is written to the order with the rule and confidence that produced it.
- Exact unique amountConfirms · 1.00
- Within $5 over, sender name matches, one candidateConfirms · 0.85
- Short, ambiguous, or unknown senderReview queue
Built so money can't be counted twice.
Double-pay prevention
Marking an order paid is a compare-and-swap: it succeeds only if the order is still unpaid. Two sensors, two webhooks, two clicks, one result.
Underpayment guard
A short payment never ships an order. It's flagged as partial and waits.
Expiry and recycling
Unpaid amounts expire after six hours and are released, so the reserved amount space never runs out.
Anomaly queue
Duplicates, ambiguous matches, unknown senders, and stale sessions are parked, emailed to you, and never auto-posted.
Audit trail
Every confirmation records what arrived, from which sensor, which rule matched it, and when.
The moment
What your customer sees. Then what they see next.
A clean page under your name. The rails you've turned on, ordered by how fast they confirm. Your handle or address for the one they pick. One large amount to send, with a copy button. A note that they're paying you directly and Rekoup never holds their money. Then, when the payment lands, the page turns green without a refresh. That moment is what turns "Zelle us and email a screenshot" into a checkout.
Then, when the payment lands, the page turns green without a refresh. No screenshot, no "did you get it?" email, no waiting for you to check. A live confirmation on a bank transfer, the way card payments have always had and Zelle never did. That moment is what turns "Zelle us and email a screenshot" into a checkout.
Plays on its own. Click a step to jump to it.
Open the hosted checkoutPay Your Store by bank
ZelleOrder #1042
to pay@yourstore.com
Send exactly
Your order confirms automatically, usually within seconds.
You pay Your Store directly. Rekoup confirms the payment and never holds your money.
Powered by
Bank pay for your store →What you see.
Orders with their status, rail, amount, and match details. A review queue that's empty most days. Your receiving accounts and their health. Integrations and API keys. Billing. Nothing you have to babysit.
Open the dashboardConfirmation timing by rail.
Questions about the mechanism
No. The unique amount identifies the order. Memos are read if present but never required.
They can't while both orders are open. Rekoup reserves a distinct amount per open order per receiving account.
Payments still land in your account because we're not in the flow of funds. When we're back, the sensors catch up and confirm the backlog. You can also confirm any order manually.
Yes. Rekoup works with the accounts you already have. Adding a second receiving account is recommended so you can rotate if your bank changes its terms.
Stop checking your bank app.
Create your account and be confirming bank payments this week.
