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Check Guarantee solutions

Check verification and guaranteeAccept checks for online and telephone sales safely and with less risk. Checks can be approved or rejected in seconds. If an approved check is returned from the bank, it can be submitted for processing and reimbursed within 30 days.

PAI has a variety of options to choose from for Check Verification and Check Guarantee solutions. Dependent upon check acceptance volumes, whether or not checks need to be guaranteed for payment or simply verified that it was written from a good account, our solutions provide various levels of flexibility for online and mail order businesses.


Check Verification is our low cost alternative to a guarantee product. This solution is best for merchants who have low average check amounts. The check is matched to a constantly updated data base with millions of records accessing local and national files of unpaid checks.

Check Guarantee offers risk-free assurance for merchants that experience returned checks and losses associated with the collection of those checks. This option is perfect for merchants with bounced check and collection problems. The check is matched to a constantly updated data base with millions of records accessing local and national files of unpaid checks.

We offer three options with alternative methods of data collection for either Check Verification or Check Guarantee: operator assisted, hand-keyed into POS Terminal or Magtek MICR Reader. You can decide the best way to use this product, based on your business.

Both Check Verification and Check Guarantee can also be bundled with our Web ACH solution to provide the additional convenience of having the checks deposited to your account electronically. Checks will clear quickly and funds will be deposited to your account and available within 24 – 48 hours.

Contact one of our financial services specialists today to learn more.