Check Verification

Check Verification service helps reduce the risks of accepting checks.

Transactions are verified with Paya's powerful and comprehensive check verification system. The check writer and their account are verified by screening multiple national databases and utilizing proprietary advanced fraud detection systems.

Check Verification can be utilized as a stand-alone program or as an added feature with any one of Paya's check programs.

Available on almost all pos credit card terminals. Multiple virtual terminals/gateways are also supported.

How it Works
  • Consumer's checking account and ID are verified against national database
  • Instant authorization or decline will be received
  • Merchant will manually deposit paper check or electronically process depending on program
  • Various risk assessment features identify high risk transactions
  • Custom check acceptance parameters for each merchant
  • - Out of-town and out-of-state checks acceptable
  • Descriptive responses help merchant if transaction is declined
  • Highest approval rates in industry
  • Improved cash flows
  • Reduce bad checks and fraud
  • Reduce collection operations
  • - Automatic notification and resubmission of NSF items for electronic programs standard