Despite the increasing popularity of credit and debit cards, checks have remained a leading payment method in the U.S. marketplace. Whether you prefer paper or electronic transactions, Secur-Chex® check services are designed to fit your business, your way.
With Secur-Chex, you can choose to process your checks electronically or use traditional paper transactions. Secur-Chex offers four check services all developed to fit your individual needs.
Guaranteed Check Conversion enables you to electronically process checks with full confidence. The check is scanned through the imager or processed through a MICR reader and then converted to an electronic transaction. The transaction occurs electronically and funds are deposited into your account within 48 hours. Secur-Chex will guarantee payment if the check is returned for insufficient funds and will collect on the returned check so that you can continue with business.
Check Conversion is ideal if you wish to use electronic check conversion but have an established consumer base and feel guaranteeing checks is unnecessary. The check is converted to an electronic transaction, but Secur-Chex does not guarantee payment if the check is returned for insufficient funds.
Check Guarantee allows you to accept checks risk free and process them in the traditional paper-based method. The customer's checking information is entered into your credit card terminal and validated against a database of millions of known bad check writers. This process ensures that you can accept checks from anywhere in the U.S. without worry. Secur-Chex now guarantees both personal checks and business checks.
Check Verification informs you if the check writer has negative information on the authorization network. You decide to accept or deny the customer's check.
With four different ways to process checks, there's sure to be the right fit for you!
**In association with First American Payment Systems, L.P. Decimal Factor offers the services of First American Payment Systems, L.P. First American Payment Systems, First American, FirstPay.NetT, FirstView®, Secur-Chex®, Merimac, Merimac Capital®, FirstFund® ACH and FirstAdvantage® are trademarks and copyrights of First American Payment Systems, L.P. Sponsoring Bank: Fifth Third Bank, Cincinnati, OH Member FDIC
