Merchant Services

Secure Payment Systems

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Terms and Conditions Apply^*
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Check Processing

Eliminate the need to take checks to the bank, process them electronically and securely.

Give your loyal customers the option of writing a check while protecting yourself from potential fraud and process check smoothly as your credit cards transactions.

Despite the increasing popularity of debit and credit cards, many consumers still like to do business by writing checks. 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 traditionally.

What offer Secur-Chex?

Check Verification informs you if the check writer has negative information on the authorization network. Check information may be keyed into a credit card terminal, or checks may be swiped through a check reader for faster transaction time. You decide to accept or deny the customer's check.

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.

** In association with First American Payment Systems, L.P. Decimal Factor offers 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®. They are trademarks and copyrights of First American Payment Systems, L.P. Sponsoring Bank: Fifth Third Bank, Cincinnati, OH Member FDIC

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