Check Acceptance
Check
Acceptance
Guaranteed Check Conversion
Enjoy peace of mind with guaranteed check payments, eliminating the need for paperwork or collections.
Verified Check Conversion
Ensure check validity before processing. While verification confirms the check’s status, you retain responsibility for any returned items.
Save Time, Increase Profits
Time is valuable, now you can keep more of it. Eliminate time-consuming bank trips and focus on growing your business instead!
Flexible Check Acceptance Solutions with Merit Pay With Merit Pay's Check Acceptance Merchant Account Solutions, you can customize your setup to fit your business needs:
- Optimized Point-of-Sale Configurations – Choose the best setup for seamless transactions.
- Tailored Risk Mitigation – Select service levels that align with your security requirements.
- Custom Imaging Options – Match processing methods to your operational workflow.
Our real-time financial merchant processing system automates check acceptance using three key methods:
- Direct DDA Access – Instantly debits over 30% of consumer checking accounts through a real-time gateway.
- Automated Clearing House (ACH) Processing – Processes checks drawn from non-participating DDA banks via the ACH network.
- Check Replacement Document (CRD) Processing – Handles business checks and exceptions efficiently through the banking system.
With these advanced processing methods, you can ensure fast, secure, and hassle-free check acceptance.
Fast & Secure Check Imaging Solutions
When speed and security matter, our merchant account solutions deliver seamless check imaging for maximum efficiency. Whether at the point of sale or through a separate imaging process, we provide flexible options to suit your business needs:
Point of Purchase (POP)
Checks are converted into electronic transactions at the point of sale using a check imager. Once digitally archived, the physical check is voided and returned to the customer.
Accounts Receivable Conversion (ARC)
Ideal for check-present but customer-absent transactions, commonly used for receivable payments.
Cash Office Imaging (COI)
Checks are processed and authorized using existing MICR check readers at the point of sale, while imaging is completed separately in the back office with a high-speed batch imager.
Outsourced Imaging
Similar to COI, but imaging is performed at a centralized location or a Merit Pay site rather than in-house.
With these advanced check imaging solutions, you can streamline operations, enhance security, and maintain accurate records with ease.
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