# API Integration Research: Debt Recovery Platform

## Online Notarization (RON) — Proof (formerly Notarize)

**URL:** https://www.proof.com

**Pricing (Jul 2026):**
| Plan | Cost | Best For |
|------|------|----------|
| Pro | $25/notarization in-house; $10/additional seal; $10/on-demand witness; $5/additional signer | Low-volume (<=25 tx/mo) |
| Premium | Custom pricing, billed annually | API access, fraud monitoring |
| Enterprise | Contact sales | SSO, sandbox, dedicated CSM |

**Key features:**
- Notarize Network: on-demand notaries 24/7
- Identity verification (NIST IAL2 compliant, $4/signer)
- eSignature included ($4/transaction)
- All 50 states compliant including Texas RON
- REST API + webhooks (Premium+)
- Custom co-branding available

**Texas compliance:** HB 3496 (2017) + SB 1624 (2021) — two-way live audio-video, identity proofing (KBA + credential analysis), electronic journal, tamper-evident digital certificates.

**Integration:** REST API embedded in web portal. Document templates pre-fill POA forms. User initiates notary session from within your portal.

**Alternatives:**
- NotaryCam: Custom quote, real-estate focused
- Pavaso: Enterprise pricing, Texas-based but real-estate only
- OneNotary: ~$25-35/ea, no public API

## Electronic Certified Mail — LetterStream

**URL:** https://www.letterstream.com

**Pricing:**
| Service | Starting Price |
|---------|---------------|
| Certified Mail | $8.34/letter |
| Certified + Return Receipt | $10.34/letter |
| First Class | $1.19/letter |

No monthly fees, no minimums. REST API for document submission, tracking, and proof of delivery.

## Digital Signatures — Documenso vs DocuSeal (under evaluation)

Both open-source self-hosted. Comparison results will be added when the subagent returns.

## Payments — ACH preferred

- Stripe ACH: 0.8% capped at $5
- Stripe Connect platform model: debtor -> platform account -> disbursement to customer
- Credit cards: 2.9% + $0.30 (pass to debtor)

## Estimated per-claim cost
Notarization: ~$25-35 + Identity verification: ~$4 + Certified mail: ~$8.34 + Processing (ACH): ~$5 = ~$42-52 total (passed to debtor)

## Full report
See /root/api-research-report.md for complete pricing tables, comparison matrices, and Texas compliance details.
