Approve more good checks.
Stop the bad ones.
Higher approval rates, guaranteed payments, and recovery when a check comes back.
Since 1978
Real-time bank account verification
Centralized deposits & reporting
Customers like paying by bank.It's familiar, safe, and secure.
It costs you less.No card interchange — a fraction of the cost.
We take the risk.Approved checks are guaranteed.*
How it works
One partner, from approval to recovery.
Verify
Real-time bank account status and customer history.
Approve
A fast decision at the register or online.
Guarantee
Approved checks are covered. Deposits land next business day.
Recover
We handle returns and collections for you.
Solutions
Everything you need to accept bank payments.
Check Guarantee
Say yes to more customers.
- Higher approval rates
- Approved checks guaranteed*
- Flexible fees — flat, membership, or repeat-customer discounts
- Simple procedures for your staff
ACH Processing
Bank payments as easy as cards — for less.
- In-store, online, and recurring payments
- Next-business-day settlement to one account
- Reports by location
- Optional text confirmation to the customer
Risk Management
Rules built around your business.
- Real-time bank account status
- Positive and negative files
- ID verification and credit data
- Custom authorization rules
Collections
Get paid on returned checks.
- Any age, amount, or return reason
- Electronic re-presentment for eligible items
- Letters, calls, and text
- Nationwide attorney network
*Guarantee applies to approved transactions under program terms.
1978
Payment intelligence since 1978. We were first to authorize checks in real time at the point of sale. Today we have online access to most U.S. bank accounts.
Multistore & enterprise
Every location. One program.
Your risk rules, applied the same way at every store, with results you can see from headquarters.
Enterprise Solutions- ✓ Custom authorization rules by store or region
- ✓ One deposit, next business day — no store-level sweeps
- ✓ Approvals, returns, and recoveries by location
- ✓ Returns handled centrally
- ✓ A dedicated account manager