Offer an alternative payment method for compliant businesses that may have difficulty obtaining or maintaining traditional card processing.
Starting at 1.90% + .25¢
This service is not being presented as standard ACH processing. Customers authorize check payments using their bank-account information, and the provider creates and processes remotely created checks through its approved banking workflow. The structure can provide a practical card alternative for eligible high-risk businesses while preserving electronic records, customer authorization details, and gateway reporting.
Some industries face card-processing restrictions because of chargeback exposure, regulatory review, future delivery, continuity billing, or prior processing history. A properly underwritten check-processing account can provide another way to collect authorized customer payments.
The customer authorizes the payment and supplies the required bank information. The transaction is submitted through the gateway, a remotely created check is produced through the provider's approved process, and the check is deposited for collection. Timing, verification, returns, and deposit availability depend on the account, bank, and selected service options.
Collect the customer's authorization and required checking-account information through an approved payment method.
The authorized transaction is converted into a remotely created check through the provider's processing workflow.
The check is deposited for collection and the merchant tracks activity through the available gateway and reporting tools.
Approval is not automatic. The provider reviews whether the business, products, marketing, refund practices, authorization flow, transaction profile, and banking history fit its acceptable-use and risk requirements.
Available features can support manual entry, recurring payments, emailed invoices, payment links, website buttons, transaction reporting, and API or ecommerce integration. Feature availability and deposit timing depend on approval and account configuration.
Provide your industry, website, monthly volume, average check amount, payment workflow, and processing history for review.
Call 866-656-7725