About Checkless

A simple way to make digital business payments for a low, flat fee.

Freelancers, consultants, and businesses need a simple, convenient, and secure way to pay and get paid. Paper checks are a hassle and card processing fees are absurd. Waiting on checks creates cash flow headaches and awkward conversations about whether or not a payment has been sent.

Payers have to wait for checks to reconcile, sometimes not knowing when a big check will be cashed. The associated costs of paper checks (envelopes, stamps, labor, and other materials) are significant and estimated at around $7 per check.

Checkless processes ACH payments for $3 flat. With Checkless, businesses can replace paper checks and avoid massive credit card fees. We help freelancers, consultants, and small businesses take the stress out of payments. Doing business is easier and safer with Checkless.



Checkless was founded in 2019 by Luke Flener. We are leveraging his experience as a product design consultant to solve his decade-long frustration with getting paid as an independent contractor. In one particular instance, he rode with a client to THEIR bank so that he could finally wrap up a months long outstanding invoice. (He left with an envelope of cash. 🤷🏼‍♂️)

Checkless is based in Nashville, TN. To get in touch contact us.


Go Checkless and upgrade your payment process today.

Cut checks out of your life and avoid percentage-based credit card fees. Checkless takes the stress out of payments by providing digital and direct ACH bank payments.

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