Check 21

Check 21 Services

Check 21 Electronic Check Service

Using the Virtual Check 21 System allows merchants to create virtual checks using customer bank account information. Each check is then verified against the Check Verification array of validation and verification options including ATM Verify, NCN Verify, Live Verification and Instant Verification. Upon successful verification the check transaction is provided to the depository bank with the proper transaction information. The transaction information is transmitted within an X9.37 file directly to the merchants financial institution.

Merchants can benefit from:

  • * Next-day fund availability
  • * No float times
  • * No middleman or broker
  • * Lower Return Ratios

Merchant can also utilize the Remote Deposit Capture Service technology for all physical check transactions.