59 lines
2.2 KiB
Markdown
59 lines
2.2 KiB
Markdown
# API Integration Research: Debt Recovery Platform
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## Online Notarization (RON) — Proof (formerly Notarize)
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**URL:** https://www.proof.com
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**Pricing (Jul 2026):**
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| Plan | Cost | Best For |
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|------|------|----------|
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| Pro | $25/notarization in-house; $10/additional seal; $10/on-demand witness; $5/additional signer | Low-volume (<=25 tx/mo) |
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| Premium | Custom pricing, billed annually | API access, fraud monitoring |
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| Enterprise | Contact sales | SSO, sandbox, dedicated CSM |
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**Key features:**
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- Notarize Network: on-demand notaries 24/7
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- Identity verification (NIST IAL2 compliant, $4/signer)
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- eSignature included ($4/transaction)
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- All 50 states compliant including Texas RON
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- REST API + webhooks (Premium+)
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- Custom co-branding available
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**Texas compliance:** HB 3496 (2017) + SB 1624 (2021) — two-way live audio-video, identity proofing (KBA + credential analysis), electronic journal, tamper-evident digital certificates.
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**Integration:** REST API embedded in web portal. Document templates pre-fill POA forms. User initiates notary session from within your portal.
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**Alternatives:**
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- NotaryCam: Custom quote, real-estate focused
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- Pavaso: Enterprise pricing, Texas-based but real-estate only
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- OneNotary: ~$25-35/ea, no public API
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## Electronic Certified Mail — LetterStream
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**URL:** https://www.letterstream.com
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**Pricing:**
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| Service | Starting Price |
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|---------|---------------|
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| Certified Mail | $8.34/letter |
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| Certified + Return Receipt | $10.34/letter |
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| First Class | $1.19/letter |
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No monthly fees, no minimums. REST API for document submission, tracking, and proof of delivery.
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## Digital Signatures — Documenso vs DocuSeal (under evaluation)
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Both open-source self-hosted. Comparison results will be added when the subagent returns.
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## Payments — ACH preferred
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- Stripe ACH: 0.8% capped at $5
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- Stripe Connect platform model: debtor -> platform account -> disbursement to customer
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- Credit cards: 2.9% + $0.30 (pass to debtor)
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## Estimated per-claim cost
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Notarization: ~$25-35 + Identity verification: ~$4 + Certified mail: ~$8.34 + Processing (ACH): ~$5 = ~$42-52 total (passed to debtor)
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## Full report
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See /root/api-research-report.md for complete pricing tables, comparison matrices, and Texas compliance details.
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