4.0 KiB
4.0 KiB
RON & Certified Mail API Research — Debt Recovery Domain
Research performed July 2026. All data sourced from live page fetches of vendor websites.
Remote Online Notarization (RON) APIs
Proof (formerly Notarize) — https://www.proof.com
| Dimension | Detail |
|---|---|
| Pricing (Pro) | $25/notarization (in-house), $10/additional seal, $10/on-demand witness, $5/additional signer |
| Pricing (Premium) | Billed annually, custom — API access tier |
| Identity verification | $4/signer (NIST IAL2) |
| eSignature | $4/transaction |
| API | REST with webhooks (Premium+), sandbox (Enterprise) |
| Integrations | Salesforce, eOriginal, Adobe eSign |
| Notary network | 24/7 on-demand notaries via Notarize℠ Network |
| Texas compliant | ✅ HB 3496 (2017), SB 1624 (2021) — audio-video, KBA, credential analysis, electronic journal |
| All 50 states | ✅ Notarizations accepted nationwide |
Plans: Pro (≤25 tx/mo), Premium (mid-size, billed annually, API access), Enterprise (custom, sandbox, SSO, dedicated CSM).
Pavaso — https://www.pavaso.com
- Custom enterprise pricing only
- Texas-based, focused on real estate eClosings
- Platform for lenders, title companies, attorneys
- Overkill for POA notarization in debt recovery
OneNotary — https://www.onenotary.com
- Consumer-facing, ~$25-35/notarization
- No public REST API advertised
- Texas compliant but poor fit for portal integration
NotaryCam (PropLogos)
- Enterprise custom pricing
- SOAP/REST available for high-volume partners
- Real-estate focused
Electronic Certified Mail APIs
LetterStream — https://www.letterstream.com
| Dimension | Detail |
|---|---|
| Certified Mail | $8.34/letter (as low as) — includes postage, tracking, signature |
| First-Class | $1.23/letter (as low as) |
| Monthly fee | $0 — no minimums |
| API | REST — activate by emailing support@letterstream.com after creating account |
| API calls | Send (single/batch), price check, PDF proof, status, Certified Mail tracing, signature retrieval, return envelopes, paper color |
| Proof of delivery | USPS tracking number + signature retrieval via API |
| Activation speed | "less than a day" per vendor |
| Platform | Web portal + API + apps + integrations (CASS, eDoc) |
USPS Direct
- No public REST API
- Requires middleware (Endicia, Stamps.com, Pitney Bowes)
- Certified Mail ~$7.00 + Electronic Return Receipt ~$2.10
Texas Compliance Notes
RON (HB 3496 / SB 1624):
- Two-way live audio-video communication required
- Identity proofing via credential analysis + knowledge-based authentication
- Audio-visual recording of the notarization session
- Electronic notary journal
- Tamper-evident digital certificate
- Notary must be Texas-commissioned; signer can be anywhere
Certified Mail for legal service:
- Texas Rules of Civil Procedure allow service by certified mail, return receipt requested
- Texas Business & Commerce Code recognizes electronic return receipts
- Physical USPS Certified Mail with tracking + signature meets legal standards
Recommended Architecture
Debt Recovery Portal
├── Proof API ────── Notarize POA, identity verify
├── LetterStream ─── Send Certified Mail, retrieve signatures
└── Stripe Connect ─ Collect payment, disburse to customer
Estimated per-debtor cost: ~$37-48 + processing fees (notary $25-35 + ID $4 + certified mail $8.34 + Stripe ~3.15%+$0.30)
Per-Transaction Pricing vs. Monthly Plans
When comparing SaaS APIs for a platform model, check whether the vendor charges:
- Per-transaction (good for variable volume — pay as you go)
- Monthly subscription + per-transaction overage (good for predictable volume)
- Enterprise/annual commitment (good for high volume — negotiate a custom rate)
Proof's Pro tier is per-transaction (no monthly commitment). Premium and Enterprise are annual. LetterStream is purely per-transaction with no monthly fees.