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