Introducing Secure Check

A revolutionary way of paying online: a Secure Check that lets your customers pay from their bank account, without any expensive third party networks getting in the way.

Can we do it?

Founded by experts in online infrastructure from the credit card industry, Noca has built a highly scalable infrastructure that can process check/debit transactions at miniscule cost by using ACH and other Interbank networks.

Our processing costs are so low that we don't need to charge you much to make a profit. Also, Noca will monetize using multiple revenue streams e.g. Banks selling financial products and services to Noca users and other highly targeted opportunities presented to the user.

Merchant Benefits

No Credit Cards

• By offering a payment channel other than credit cards, Noca can provide an industry-disrupting transaction rate of 0.99% - an order of magnitude less than what you've been paying!
• No credit card numbers means a safer, less fraud-prone environment

No Social Security Numbers

• Reduces identity theft considerably
• Increased privacy protection

Banking with Debit Accounts Reduces Fraud

• Checking and savings accounts fraud is substantially lower compared to credit cards
• Account-to-account payments provide dual side identity verification

Top Notch Security

• Fraud protection algorithm and encryption
• Increased consumer confidence
• Velocity checks for fraud control
• Pattern checks for fraud control

Security Factsheet

Learn More (PDF)

Payments 2.0

Is Noca simply another 'ACH' front-end?

Noca does use ACH selectively but it's not the only network we use. We are working on a system that offers guaranteed funds, free from NSF and other risks.

Are there any setup fees or recurring fees?

There are absolutely no setup fees or recurring fees. We provide end-to-end bank transactions through our innovative web API at 0.99%, with a commitment to drive the cost down to zero.