Check Guarantee services allow merchants to confidently accept checks without the risk of loss. Every approved check is guaranteed — meaning if a check is returned due to insufficient funds, a closed account, or a stop payment, the merchant is reimbursed for the full face value.
By eliminating the financial risk of bad checks, businesses can safely expand payment options, increase sales, and protect cash flow — without managing collections or chasing payments.
How Check Guarantee Works
• Checks are verified at the point of sale (in-store, mobile, or remote)
• Once approved, the check is guaranteed
• Funds are deposited directly into the merchant’s account, typically within 48–72 hours
• If a guaranteed check is returned unpaid, reimbursement is issued for the full amount
Merchants pay a small per-check fee — often less than credit card processing — in exchange for complete protection and peace of mind.
Key Benefits for Merchants
• Financial Security – Protection from losses caused by NSF checks, closed accounts, or stop payments
• Increased Sales – Confidently accept checks from more customers, including large purchases
• Reduced Administrative Work – No collections, court filings, or follow-up required
• Predictable Cash Flow – Guaranteed funding even if a check is returned
• Operational Efficiency – Staff focuses on customers, not payment recovery
• Flexible Payment Options – Support multiple-check payments for larger transactions
Common Misconceptions About Accepting Checks
“We don’t accept checks.”
Many merchants stopped accepting checks after experiencing losses. Unfortunately, this often turns away good customers. A meaningful segment of buyers still prefers paying by check. Check Guarantee allows merchants to safely accept checks without taking on risk.
“People don’t write checks anymore.”
Checks remain widely used in B2B transactions, automotive sales, home services, healthcare, and large-ticket purchases. Declining checks can result in lost sales to competitors who accept them confidently.
“Accepting checks isn’t cost-effective.”
Between bank fees, staff time, and collections, bad checks are expensive. Check Guarantee removes these costs while increasing revenue opportunities — often at a lower cost than card processing.
“We don’t get many checks.”
Check Guarantee is valuable regardless of volume. Whether monthly check volume is $5,000 or $500,000, the service helps reduce risk, increase sales, and simplify operations. Services can also be used on an as-needed basis.
“We handle bad checks ourselves.”
In-house collections are time-consuming and often ineffective. Check Guarantee eliminates the need to pursue customers, work with courts, or wait months for recovery.
Advanced Check Guarantee Capabilities
Modern Check Guarantee services offer more than basic check acceptance.
Multiple Check Payments (No Credit Required)
Customers can split large purchases into multiple guaranteed checks — typically 2–4 checks written on the same day and deposited over a scheduled period (such as 30, 60, or 90 days).
This allows merchants to:
- Close larger sales without financing or credit checks
- Offer flexible payment options while remaining fully protected
- Receive guaranteed funds even if a check is returned
Electronic & Remote Deposit Capture (RDC)
Merchants can deposit checks electronically without trips to the bank. Check images are securely captured and submitted for processing, significantly speeding up funding.
Important:
✔ Check images are provided at NO charge to approved clients
Benefits include:
- Faster deposits and improved cash flow
- Reduced bank visits and manual handling
- Simplified reconciliation and reporting
- Guaranteed funding with no collection effort
Mobile Check Capture
Merchants can capture check images using a mobile device (phone or tablet) and submit them electronically for guaranteed processing and deposit.
Ideal for:
- Auto dealerships
- Contractors and service professionals
- Delivered goods and on-site services
- Out-of-area or remote transactions
This allows merchants to accept guaranteed checks anywhere business happens.
Check on Delivery (COD)
Check on Delivery guarantees payment at the time of delivery — even for out-of-area customers — reducing non-payment risk on completed work or delivered goods.
Who Check Guarantee Is Best For
Check Guarantee services are ideal for businesses that:
- Accept or want to accept checks
- Sell large-ticket or B2B products and services
- Want to eliminate bad check risk
- Need predictable, guaranteed cash flow
- Want flexible payment options without added exposure
Ready to Learn More?
A short consultation can help determine whether Check Guarantee makes sense for your business.