2.2 KiB
API Integration Research: Debt Recovery Platform
Online Notarization (RON) — Proof (formerly Notarize)
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.