American Businesses are Losing Billions to Check Fraud. FairwayPay is the Proven Solution

FairwayPay is a simple digital eCheck platform that lets businesses and government entities send bank‑direct checks by email for just $0.39 — with near‑zero fraud, instant delivery, and a complete history of every check you’ve ever sent.

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HIGHLIGHTS

  • For a standard U.S. business envelope mailed today, 1 USPS Forever stamp = $0.78 . And that’s before: envelopes, check stock, printer toner, labor, stuffing/signing, returned mail, and reconciliation. FairwayPay delivers the same payment for $0.39 — instantly, securely, and with no operational change.
  • Recurring SaaS revenue model: $4.95/month + $0.39 per eCheck — a high-margin, high-volume revenue engine.
  • Bank-direct, encrypted digital eChecks that eliminate the fraud and exposure of mailed checks.
  • 5-minute onboarding: no setup fees, no software installs, no processor or bank changes.
  • Partnership-led GTM strategy with national trade associations, nonprofits, enterprises, and government entities already promoting FairwayPay to their members.
  • Affinity marketing flywheel: Every digital recipient becomes a potential new user, and partners earn recurring revenue on every check sent.
  • Led by a proven fintech founder supported by a leadership team with decades of experience in banking, payments, cloud technology, operations, and strategic marketing.
  • Spin-off from an enterprise-developed fintech platform, now optimized and relaunched for the SMB market where paper checks remain dominant.

THE PITCH

FairwayPay – Turning Every Paper Check Into a Secure, Instant Email

Paper checks remain deeply entrenched in small and mid-sized businesses.
‍
They’re slow.
They’re expensive.
And they’re the single most dangerous way to pay a bill.
For a standard U.S. business envelope mailed today, 1 USPS Forever stamp = $0.78.
And that’s before: envelopes, check stock, printer toner, labor, stuffing/signing, returned mail, and reconciliation.

FairwayPay turns that into a $0.39 digital transaction — instant, secure, bank-direct, with no one touching your money when you pay a bill, and no changes to banks, processors, or accounting systems.

Scaling Through Networks, Not Individuals

  • FairwayPay doesn’t scale one user at a time — it scales by activating entire networks. Marketing through national trade associations, professional groups, nonprofits, and government channels that reach tens of thousands of SMBs. Partners actively sell FairwayPay to their members because it:
    • Eliminates fraud
    • Saves money immediately
    • Generates shared recurring revenue
    • Requires zero operational change

Massive Market Opportunity & Proven Platform

  • Fraud exposure is at a multi-decade high.
  • Businesses want a bridge that works with their existing systems — FairwayPay is that bridge. Fintech spin-off with years of development, a proven platform, and a GTM model engineered for fast growth.
  • This Reg-CF raise allows investors to back a revenue engine that grows through associations, not cold starts, and captures a massive market still stuck on paper.

The Problem

FairwayPay – Turning Paper Checks Into Instant, Secure Payments

Paper checks haven’t disappeared — they’ve simply become:

  • More expensive
  • More time-consuming
  • More dangerous

Key pain points:

  • 83% of SMBs still pay bills by mailing checks
  • Over 20% of all U.S. payments are still paper checks
  • Paper checks expose account and routing numbers
  • They can be stolen, altered, washed, and counterfeited
  • They require stamps, envelopes, check stock, toner, printer maintenance
  • They slow down vendor payments and cash flow

For most businesses, “modernizing payments” sounds complicated: ACH setups, processors, confusing fees, and workflow changes. So they stick to what they know — mailing checks, despite the risk.

Generally speaking, ACH, wire transfers, credit cards, debit cards, and digital wallets are all better ways to pay a bill than a FairwayPay eCheck. However, if a bill must be paid by a paper check, FairwayPay is a far better solution than mailing one.

83% SMBs still mail checks
>20% All U.S. payments still paper
$0.39 Cost per FairwayPay eCheck

The FairwayPay Solution

A safer, faster, and lower-cost way to deliver a check — by email. FairwayPay replaces paper and postage, not banks or processors.

FairwayPay does not replace the bank and does not become the processor. It simply replaces the envelope and postage stamp with secure digital delivery.

How It Works

  • Create and send a check instantly by email
  • Only recipient email is required
  • Secure eCheck access link
  • Print or deposit digitally

Tracking & Records

  • Track checks from send to deposit
  • Complete check history
  • Transparent audit trail

Security

  • Bank-grade encryption
  • No mailed-check fraud
  • No exposed bank details

A Spin-Off With Enterprise-Proven Tech

  • FairwayPay is not a concept-stage startup.

    FairwayPay is built on a SaaS platform originally developed inside a mature fintech environment, where it supported large-scale, enterprise-level payment operations.
    ‍
    When founder Steve Kirkpatrick exited the company he co-founded, he acquired full ownership of this proven digital-check technology and relaunched it specifically for the underserved SMB and public-sector markets. 
    ‍
    The result is a startup with enterprise-grade foundations — not a prototype.The platform has been actively tested for over six months, with new features added based on feedback from highly satisfied users. Recent enhancements include dual-signature support, a QuickBooks interface, and integrated Salesforce marketing capabilities.
    ‍
    FairwayPay is a new company built around an already-proven technology, now being launched into a massive, underserved SMB market.

Business Model – Built for SMB Budgets

Simple, Transparent Pricing

FairwayPay is built for SMB budgets — dramatically reducing the cost of sending checks without changing banks, software, or workflows.

Pricing Overview

The Affinity Marketing Engine

The real power of FairwayPay isn’t just lower costs — it’s how growth compounds naturally.

  • FairwayPay earns the majority of its revenue when customers send eChecks to their customers.
  • Every eCheck sent introduces FairwayPay to a new digital recipient — creating a built-in network effect.
  • Revenue is shared with partners, turning them into active advocates instead of passive promoters.
  • The result is a high-margin, recurring SaaS revenue model designed for scalable, long-term growth.

Go-To-Market – Scaling Through Partnerships

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Scaling Through Trusted Networks

FairwayPay doesn’t rely on cold outreach or one-by-one SMB sales. Growth is driven through national organizations that already command trust, attention, and distribution at scale.

$112.5K+ Projected monthly gross revenue from a potential partner (Year 1) This is based on management's projections and subject to change. See risk disclosures.
Professional Associations

Invitations to multiple national association partner programs, instantly reaching thousands of member organizations.

Government Access

Lobbying-firm partnership with reach to more than 1,000 mayors across a Midwestern state.

Real Estate & HOAs

Partnerships focused on title trade associations and HOA property managers nationwide.

Expanding Pipeline

Additional national partners are actively reviewing and onboarding the FairwayPay platform.

Built-In Enablement

Optional adoption support from retired bankers and trained consultants accelerates partner success.

Revenue Potential From Future Key Partnerships

FairwayPay intends to scale through national organizations with thousands of members. Early projections from potential partners illustrate the leverage of this network-driven go-to-market strategy.

Revenue Chart

*These represent future possible relationships that have the potential to yield these revenues, representing part of the market opportunity for the company as determined by management.

Additional potential partner verticals are currently in progress, each with similar recurring-revenue profiles. These projections reflect revenue potential, not timing.

Each vertical alone represents a six-figure monthly revenue opportunity, demonstrating why FairwayPay is designed to scale through networks — not one business at a time.

Why It Matters – Immediate, Quantifiable Benefits

Immediate, Quantifiable Benefits

FairwayPay delivers clear advantages the moment a business sends its first eCheck.

Less Expensive

  • Lower cost per payment than mailing checks
  • No envelopes, stamps, check stock, toner, or mailing delays

Faster

  • Send payments from any device, anywhere
  • Vendors receive payments instantly

More Secure

  • No exposed routing or account numbers
  • Eliminates the most common causes of check fraud
  • Bank-direct payments with no intermediaries

More Accessible

  • Remote teams and field staff can send payments instantly
  • Reduces administrative bottlenecks
  • Ideal for SMBs, nonprofits, government, and distributed teams
At just $0.39 per eCheck, FairwayPay is dramatically cheaper than the standard U.S. business envelope mailed today at $0.78 (1 USPS Forever stamp) .

The Team – Experienced Leadership in Banking & Fintech

Meet the experienced leadership team driving FairwayPay’s growth and innovation in digital payments.

Steve Kirkpatrick
Steve Kirkpatrick
Co-Founder, FairwayPay
Veteran financial services and fintech executive. Former Co-Founder of The NoCheck Group, Founder of The Bancorp Group, and former Chairman of New Century Bank. Holds a BA in Economics and MBA in Finance from Michigan State University.
Suzanne Thomas
Suzanne Thomas
Advisory Board Member
Strategic growth and marketing leader with 30+ years in financial services. President of En’Pointe Consulting and former Regional VP at JPMorgan Chase. Expert in GTM strategy and multi-channel marketing.
Geary Huey
Geary Huey
Advisory Board Member
30+ years of leadership in program management, engineering, and business development. President of Funel Business Management Group. Former Silicon Valley executive and professor.
Kevin Kirkpatrick
Kevin Kirkpatrick
Advisory Board Member
Co-founder of Fairway Capital. Former Director of Business Development at NoCheck Payment Services and VP of Sales at ComTech Capital.

Why FairwayPay Is Raising Capital Under Reg-CF

With the technology proven and the core product already in place, FairwayPay is using this Reg-CF raise to:
‍

  • Expand national partnerships with associations, organizations, and government entities.
  • Invest in sales, marketing, and partner enablement to accelerate adoption.
  • Enhance the platform’s user experience, integrations, and automation.
  • Strengthen compliance, security, and support as the user base scales.

The goal is to take a solution that has already been trusted by large enterprises and make it the default way small businesses and governments send checks by email.

Why Consider Investing

FairwayPay offers investors exposure to a fintech company positioned at the intersection of:

  • A massive, persistent problem — paper checks and fraud
  • A simple, intuitive solution businesses understand instantly
  • Enterprise-level technology proven in real-world use cases
  • A scalable, recurring-revenue SaaS model
  • An experienced team with a track record of building and exiting financial companies

Investment Terms

FairwayPay Growth Fund LLC
‍We are accepting investments from qualified investors under our current offering. Review the core financial details of this opportunity below.

  • Minimum Offering Amount: $100,000
  • Maximum Offering Amount: $1,000,000
  • Price Per Share: $80.00 per LLC Membership Interest
  • Offering Deadline: October 31, 2026

Disclaimer: Forward-looking statements. Past performance does not guarantee future results. Investments involve risk, including the possible loss of principal.

Use of Funds and Investor Risk Disclosures

Use of Proceeds % of
Minimum
Proceeds
Raised		 Amount if
Minimum
Raised		 % of
Maximum
Proceeds
Raised		 Amount if
Maximum
Raised
Intermediary Fees 7% $7,000 7% $70,000
General Marketing 20.55% $20,550 20.55% $205,485
Future Wages 14% $14,000 14% $140,000
Programming and Data Services 14% $14,000 14% $140,000
Consulting 14% $14,000 14% $140,000
Legal/General Expenses 10% $10,000 10% $100,000
* Interest 20.45% $20,450 20.45% $204,515
Total 100.00% $100,000 100.00% $1,000,000

*See Form C showing outstanding debts of the company.

Investor Risk Disclosures

All investors should review the risk disclosures below, also available in Form C filed with the Securities & Exchange Commission.

Risk Disclaimer

FairwayPay – Instant, Secure, and Smarter Payments for Modern Businesses.

Invest in FairwayPay Today

FAQs

1. What exactly is FairwayPay?

FairwayPay is a digital eCheck platform that lets businesses send checks instantly by email. It replaces paper, envelopes, and stamps with secure digital delivery—while keeping existing bank accounts and workflows intact.

2. Why do businesses still use checks if better payment options exist?

Because many vendors, governments, and legacy systems still require checks. FairwayPay doesn’t try to replace ACH or cards—it provides a safer, faster bridge when a check is the only option.

3. How is FairwayPay safer than mailing a paper check?

Paper checks expose account and routing numbers and can be stolen, altered, or counterfeited. FairwayPay uses bank-grade encryption, eliminates physical handling, and delivers checks digitally—removing the most common causes of check fraud.

4. How does an eCheck actually work for the recipient?

The sender emails an eCheck using only the recipient’s email address. The recipient clicks a secure link and can either print the check or deposit it using check images, just like a normal check.

5. Does FairwayPay keep records of sent checks?

Yes. FairwayPay automatically tracks every eCheck from the moment it’s sent to when it’s received and keeps a complete history of every check ever sent, giving businesses full transparency and auditability.

6. How much does FairwayPay cost?

FairwayPay costs $4.95 per month plus $0.39 per eCheck—typically half the cost of a postage stamp, even before factoring in labor, supplies, printer maintenance, and payment delays.

7. Is FairwayPay difficult to set up or integrate?

Not at all. There are no setup fees, no special software, and no bank changes. Most users are up and running in under five minutes using their existing accounts.

8. How does FairwayPay intend to grow so fast without selling to each business individually?

FairwayPay intends to scale through national partnerships with associations, nonprofits, enterprises, and government groups. These trusted partners are expected to promote FairwayPay because it saves members money, reduces fraud, and generates shared recurring revenue.

9. Why should investors care about FairwayPay?

FairwayPay combines a massive existing market (paper checks) with a simple SaaS model, high-margin recurring revenue, and a partner-driven GTM strategy. It scales through networks—not cold starts—creating strong leverage and long-term growth potential.

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