News and Press Releases

CrossCheck Launches Enhanced Pay-by-Link Solution with Guaranteed ACH Payments and Modern Fintech Experience

marketing@cross-check.com (CrossCheck) — Wed, 29 Apr 2026 17:17:58 GMT

PETALUMA, CA – April 29, 2026 – CrossCheck, a trusted leader in payment risk management, today announced the launch of its enhanced Pay-by-Link platform. Powered by a Plaid integration, the solution enables merchants to send secure payment links via SMS or email—combining a frictionless, mobile-first experience with CrossCheck’s industry-leading payment guarantee.

As businesses move away from rising credit card fees and high-friction manual entry, the demand for secure, instant bank-to-bank options is accelerating. CrossCheck’s enhanced Pay-by-Link solution meets this demand by allowing customers to log into their bank and pay instantly, eliminating the need for manual routing and account number entry. Customers simply tap a link, select their bank, log in securely, and complete payment in seconds, with no manual entry required. This approach is especially valuable for businesses handling high-ticket transactions, including auto dealerships, home improvement providers, furniture retailers, veterinary services, and aftermarket specialists.

“This is a major evolution for CrossCheck,” said Tiffany Lucas, SVP of Product Development at CrossCheck. “We have taken the simplicity and convenience customers expect from modern fintech experiences, where they link their bank and pay instantly, and paired it with the protection merchants rely on from us. The result is a powerful pay-by-bank solution that drives conversion and includes real-time validation, all while eliminating payment risk.”

A Modern Pay-by-Bank Experience

The modernized platform replaces traditional, clunky ACH entry screens with a streamlined, guided experience designed to improve customer trust. Merchants can now:

Send secure payment links directly via text or email.
Link and Pay Instantly: Customers securely connect their accounts in seconds using their existing bank credentials.
Streamline Billing: Merchants can upload branded invoices directly to the payment request, allowing for a mobile-first, one-touch checkout.
Full Visibility: A transparent dashboard provides real-time validation and tracking for every transaction.

Guaranteed Payments Meet Modern UX

Unlike typical pay-by-bank solutions that shift risk back to the merchant, CrossCheck continues to stand behind every approved transaction. By integrating Plaid’s real-time bank authentication with CrossCheck’s proprietary risk intelligence, the platform ensures:

Zero Merchant Liability: CrossCheck assumes the loss if a payment is returned or disputed.
Real-Time Validation: High-speed account authentication reduces fraud and unauthorized returns.
Faster Conversion: Fewer fields and a faster checkout experience lead to higher payment completion rates.

“Businesses are tired of seeing their profits eroded by high credit card fees,” added Lucas. “With our enhanced Pay-by-Link solution, we’re not just lowering costs—we’re eliminating risk. Merchants can now offer a modern, seamless pay-by-bank experience with the confidence that every approved payment is guaranteed.”

To request a demo and learn more about CrossCheck’s Pay-by-Link solution, visit the CrossCheck website.

About CrossCheck

Founded in 1983, CrossCheck is a leading provider of payment guarantee and payment solutions, helping businesses reduce risk and improve payment performance for over four decades. Headquartered in Petaluma, California, with a second location in Southlake, Texas, CrossCheck combines advanced risk intelligence with modern payment technologies to deliver secure, high-performance payment experiences across both digital and traditional channels.

For more information, visit the CrossCheck website.

Media Contact Christina McGarr, Director of Marketing

CrossCheck, Inc.

Email: marketing@cross-check.com

Dealer Pay and CrossCheck, Inc. Announce Strategic Partnership

Dealer Pay — Thu, 29 Jan 2026 18:11:28 GMT

Knoxville, TN – January 13, 2025 – Dealer Pay and CrossCheck, two leaders in payment and risk management in the automotive industry, are proud to announce a strategic partnership designed to revolutionize the way automotive retail businesses handle financial transactions. Dealer Pay was built specifically for dealerships and is far more than a payment system—it’s a fully integrated financial platform that connects seamlessly with the dealership’s DMS and every aspect of dealership workflow, delivering exactly the comprehensive solution today’s savvy dealers deserve. This collaboration combines Dealer Pay’s cutting-edge point-of-sale (POS) solutions with CrossCheck’s advanced check, ACH and Remote Deposit Capture, risk mitigation services, creating a robust and seamless ecosystem for automotive dealers.

This partnership comes at a pivotal time as the automotive retail sector adapts to evolving consumer payment preferences. By integrating their services, Dealer Pay and CrossCheck are equipping dealerships with modern tools to streamline payment processing, improve operational efficiency, and enhance customer satisfaction.

“This partnership is a natural alignment of two organizations with decades of experience, committed to innovation and delivering value to automotive dealerships,” said Julie Douglas, CEO/Founder of Dealer Pay. “Together, we are creating a comprehensive payments solution that addresses the unique needs of the automotive retail industry, while helping dealers increase profitability.”

CrossCheck’s proprietary technologies, such as electronic check processing, guarantee and recovery solutions, fit strategically into Dealer Pay’s POS platform, offering dealerships a complete, end-to-end solution. Automotive businesses can expect faster processing speeds, reduced administrative burdens, improved cash flow, and minimized risk through this partnership.

“At CrossCheck, our mission has always been to simplify risk management for automotive retailers,” commented Travis Powers, Vice President of Partner and ISO Relations CrossCheck, Inc. “We are thrilled to partner with Dealer Pay. Their innovative approach to POS solutions is the ideal match for our payment processing tools. Together, we’re empowering dealerships to operate smoothly and focus on serving their customers.”

By combining these two industry-leading technologies, dealerships can now provide their clients with greater flexibility and choice—empowering customers to pay in the way that best suits their needs, especially as dealers continue to embrace surcharge and cash discount programs. This collaboration truly delivers the seamless, client-focused experience today’s dealerships deserve.

For more information on how your dealership can benefit from this innovative collaboration, visit dealer-pay.com/crosscheck or contact the companies directly.

About Dealer Pay

Dealer Pay, driven by Vehlo, is a leading provider of innovative payment solutions tailored to automotive dealerships. Since its founding, Dealer Pay has focused on delivering secure, efficient, and user-friendly systems that streamline transactions and drive business growth. For more information, visit dealer-pay.com.

About CrossCheck, Inc.

CrossCheck, Inc. specializes in payment guarantee services and risk management solutions for business industries, including automotive retail. With decades of experience, CrossCheck is a trusted partner to companies seeking secure and efficient payment processing options.

Media Contact: Sarah Duff sarah.duff@vehlo.com

CrossCheck Marks 42 Years of Trusted Payment Protection for U.S. Merchants

marketing@cross-check.com (CrossCheck) — Tue, 21 Oct 2025 16:51:26 GMT

Company credits its leadership, merchants, partners, representatives, and employees for four decades of reliability, innovation, and around-the-clock service.

PETALUMA, Calif., October 2025 — CrossCheck, Inc., a leading provider of payment guarantee and payment solutions, today announced its 42nd anniversary. The company supports merchants across automotive, furniture, building materials, veterinary, and other retail and service industries with programs that help reduce risk and keep transactions moving.

CrossCheck’s programs are endorsed by leading trade associations and available directly to merchants nationwide, as well as through integrated technology partners across the payments industry.

“We continue to invest in new technology and process improvements to keep our services fast, secure, and relevant to today’s business environment,” said J. David Siembieda, Chief Executive Officer of CrossCheck. “Reaching 42 years is about trust. Merchants count on us to protect payments, support their teams, and step up when it matters. We are grateful for our customers and our employees who make that possible every day.”

CrossCheck’s suite of payment solutions includes check guarantee programs, Multiple Check, ACH Pay-By-Link, remote deposit capture, mobile solutions, and integrated partner offerings. The company provides live customer support 24 hours a day, 7 days a week, 365 days a year.

“We focus on practical innovation that helps merchants close sales, reduce losses, and deliver a better customer experience,” said Siembieda. “That focus has guided us since our first day in business and it will guide us in the years ahead.”

About CrossCheck

CrossCheck, Inc. is a payment guarantee and payment solutions provider headquartered in Petaluma, California, with an additional office in Southlake, Texas. Since 1983, CrossCheck has helped merchants reduce risk and improve cash flow with services including check guarantee, Multiple Check, ACH Pay-By-Link, remote deposit capture, and mobile payment tools. The company serves thousands of businesses nationwide and provides live support 24/7/365.

Media Contact
Christina McGarr, Director of Marketing
CrossCheck, Inc.
marketing@cross-check.com
707.665.2100
www.cross-check.com

CrossCheck Celebrates 25 Years of Visionary Leadership by CEO J. David Siembieda

marketing@cross-check.com (CrossCheck) — Wed, 08 Oct 2025 15:50:47 GMT

FOR IMMEDIATE RELEASE

Petaluma, CA – October 7, 2025 – CrossCheck, Inc., a leading provider of payment guarantee/payment solutions, proudly celebrates the 25th anniversary of J. David Siembieda’s leadership as Chief Executive Officer.

25 Years of Leadership. One Vision. Enduring Impact.
For a quarter century, Siembieda has guided CrossCheck with strategic foresight and bold decision-making, cementing the company’s reputation as a trusted industry leader. Under his direction, CrossCheck has consistently delivered innovative payment solutions while adapting to a rapidly changing financial landscape. Since joining CrossCheck in 1991, Siembieda’s 34-year career with the company reflects a deep commitment to innovation, integrity, and long-term client success.

Beyond the company, Siembieda is recognized as an influential voice in the payments industry. He has served on multiple national advisory boards and industry councils, including the Electronic Transactions Association (ETA), the leading trade association for the payments industry.

“Dave’s 25 years of leadership reflect a remarkable blend of vision, resilience, and dedication,” said Timothy S. LaBadie, Chairman of the Board. “His ability to anticipate market trends and champion our clients’ success has built a legacy that will continue to guide CrossCheck well into the future.”

As CrossCheck honors this milestone, the company looks ahead with confidence, driven by Siembieda’s continued commitment to progress and client success.

About CrossCheck, Inc.
Headquartered in Petaluma, California, and operating a second office in Southlake, Texas, the company is a trusted leader in payment guarantee/payment solutions, providing secure, reliable, and innovative services to businesses nationwide.

Media Contact
Christina McGarr, Director of Marketing
CrossCheck, Inc.
marketing@cross-check.com | 707-665-2100
www.cross-check.com

CrossCheck is behind the Pickleball

AArco@cross-check.com (Al Arco) — Thu, 27 Apr 2023 16:30:00 GMT

FOR IMMEDIATE RELEASE

Petaluma, Calif. (April 27, 2023) — Is Pickleball truly exploding across the country? Are businesses embracing Pickleball as an activity for employees to enjoy on breaks and during lunch hours?

A recent CNBC report stated 36.5 million Americans played the game in a 12-month span. MSN reported just three weeks ago that Walmart was offering a play-for-free program to employees and customers. As quick as you can say “Zero-Zero-Two,” one such business in Northern California also jumped on the pickleball bandwagon.

CrossCheck, Inc., a financial services company headquartered in Petaluma, California, recently repainted its outdoor basketball court with pickleball lines. Al Arco, a US Senior Pickleball (USSP) Ambassador from Denton, Texas, was on hand to give three separate groups quick tutorial training and play games with employees of this 40-year Sonoma County business.

J. David Siembieda, President and CEO, even got into the action. “The game is fun for all and a tremendous way for our employees to gather and bond.”

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. Since 1983, it has helped increase profits and reduce risk for businesses in verticals such as automotive, auto aftermarket, building materials, home furnishings, specialty retail, medical-dental and veterinary by providing efficient and affordable check verification, guarantee, and conversion services. CrossCheck’s suite of services includes conversion technology, web-based transaction, remote deposit capture and premium products for specific industries and applications. The company has offices in Petaluma, Calif. and Southlake, Texas.

About US Senior Pickleball

The mission of US Senior Pickleball (USSP) is to support the growth of pickleball around the world through a social, competitive environment for players of all skill levels ages 50 plus. With Thousands of members and 53 Tournaments Scheduled, USSP is the Premier Tournament association of Senior Pickleball players. US Senior Pickleball is the one organization dedicated to seniors who want to participate in this sport and play in tournaments within their age/skill group.

Contact

marketing@cross-check.com
707-665-2100

Holiday Cheer as Employees Gather for Charitable Gift Giving

Patrik Jorgensen — Mon, 20 Dec 2021 15:16:17 GMT

“When we give cheerfully and accept gratefully, everyone is blessed.” – Maya Angelou

Petaluma, Calif. (December 17, 2021) - A cheerful moment was had at the Petaluma headquarters of CrossCheck and subsidiary Optio Solutions as employees and executives gathered in front of the colorful lobby Christmas tree to present gifts given to the Salvation Army Angel Tree program. Local children in need will surely experience a happy moment as gifts are compiled and distributed by the Salvation Army ahead of the Christmas holiday.

Salvation Army to bring smiles to kids for Christmas

The Salvation Army’s Angel Tree charity provides hundreds of gifts each Christmas to low-income families. This year’s gifts from CrossCheck and Optio employees include footballs and baseball gloves for the sport-minded, stuffed animals, a couple of impressive Hot Wheels sets, a kitchen playset, board games, books and much more.

“Community involvement and engagement extends to giving,” said CEO J. David Siemieda. “We have always worked to be an influential staple in the Sonoma County business community during our more than 35 years here. And the enthusiasm with which our employees and associates have gotten involved in giving and lending a hand during the holiday season and beyond is a testament to how we can all give back and support each other.”

CrossCheck's involvement with the Salvation Army and the Angel Tree program is a long-standing, annual tradition and employees remain committed to giving each year and for many years to come.

CrossCheck employees also donate to Redwood Empire Food Drive

In addition to the gifts for the Salvation Army’s Angel Tree charity, the two barrels designated for the Redwood Empire Food Bank’s Annual Food & Funds Drive are overflowing with canned goods and non-perishable foods generously donated by employees. So full are the barrels, in fact, that goods have had to be placed on the floor. CrossCheck may need a third barrel next year…

Employees have participated in annual philanthropic programs for the Alzheimer’s Association, American Cancer Society, American Red Cross, Dallas Fallen Officers Fund, and a turkey drive organized by COTS (Committee on the Shelterless) for a Thanksgiving Day feast at Petaluma Kitchen.

About the Salvation Army

The Petaluma Corps of the Salvation Army organizes fundraising efforts and provides other ways for locals to help their community via volunteer work or donations. Phone 707-769-0716 or visit its online portal to learn more.

The Salvation Army, an international movement, is an evangelical part of the universal Christian Church. Its message is based on the Bible. Its ministry is motivated by the love of God. Its mission is to preach the gospel of Jesus Christ and to meet human needs in His name without discrimination.

About the Redwood Empire Food Bank

The Redwood Empire Food Bank (REFB) is the largest hunger-relief organization serving north coastal California from Sonoma County to the Oregon border. Since 1987, the REFB has provided food and nourishment to those facing hunger, currently serving 82,000 children, families and seniors in Sonoma County, while striving to end hunger in our community. Visit www.refb.org or call 707-523-7900 to learn more.

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. The company has offices in Petaluma, Calif., and Southlake, Texas.

About Optio Solutions, LLC

Optio Solutions is a national debt collection agency focused on improving the ROI of clients and protecting the brands via extensive financial services experience, advanced technology, certified data security, legal compliance and professionally designated staff. The agency maintains a corporate headquarters in Petaluma, Calif., and an office in Fargo, N.D.

CrossCheck Is an Endorsed Vendor of Roto-Rooter Franchisee Association

joeg@cross-check.com (Joe Gargiulo) — Tue, 06 Jul 2021 16:59:02 GMT

FOR IMMEDIATE RELEASE

Petaluma, Calif. (July 6, 2021) — Payments guarantee company CrossCheck, Inc. is now an Endorsed Vendor of the Roto-Rooter Franchisee Association (RRFA). Hundreds of thousands of U.S. merchants have benefited from check processing services provided by CrossCheck since its inception in 1983. These sales tools — used in conjunction with those offered by affiliates Constant Processing (cards) and Optio Solutions (collections) — provide members of the RRFA with a single source of A/R solutions. The agreement became effective June 1.

“Our suite of payment solutions will be an invaluable resource to Roto-Rooter franchisees,” said Senior Vice President Charles Dortch III, the architect of the agreement. “We understand the needs of merchants and help finalize sales that would otherwise not happen without CrossCheck standing behind each transaction.”

CrossCheck is no stranger to national accounts. It is the exclusive check guarantee company for the largest automotive retailer in the country, a nationwide supplier of commercial gases, and two well-known chains of veterinary clinics. It also services numerous locations within a national home furnishings chain as well as a national distributor of building supplies.

The company launched a desktop app called Focus in 2016 that creates a virtual terminal for merchants wanting convenient check processing functionality. A phone app is expected to be released later this year.

CrossCheck maintains an A+ rating from the Better Business Bureau (BBB) and belongs to notable national, state, and local industry affiliations in financial services, retail automotive, and home furnishings.

About the Roto-Rooter Franchisee Association

The Roto-Rooter Franchisee Association (RRFA) provides a supportive forum for franchisees to gather, teach, mentor, share new ideas, and promote relationships within the Roto-Rooter Family.

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. Since 1983, it has helped increase profits and reduce the risk for businesses in verticals such as automotive, auto aftermarket, building materials, home furnishings, specialty retail, medical-dental and veterinary by providing efficient and affordable check verification, guarantee, and conversion services. CrossCheck’s suite of services includes check conversion technology, web-based transactions, remote deposit capture and premium products for specific industries and applications. The company has offices in Petaluma, Calif. and Irving, Texas.

Contact

Charles Dortch III
707-665-2100, ext. 2500
charlesd@cross-check.com
www.cross-check.com

Michael Trott Appointed to Vice President of Finance at CrossCheck

joeg@cross-check.com (Joe Gargiulo) — Thu, 29 Oct 2020 16:45:00 GMT

FOR IMMEDIATE RELEASE

Petaluma, Calif. (Oct. 29, 2020) — CrossCheck, an established leader in the payment solutions industry, appointed Michael Trott to the position of vice president of Finance. His first day of employment was September 28, 2020.

Trott has over 30 years of experience (including 15-plus as a CFO) in finance, administration and operations for middle-market Fintech and consumer packaged goods (CPG) companies.

“Michael is a strong addition to our company,” said CrossCheck President and CEO J. David (Dave) Siembieda. “He has worked closely with CEOs and boards of directors while utilizing skills in financial reporting, strategic planning, analytics, business diligence/valuations, process and productivity improvements, and staff development.”

In his most recent position as a CFO in the financial services industry, Trott was responsible for financial and tax reporting, treasury, shareholder relations, human resources, and corporate development.

His background includes working for companies such as EQIS Capital Management, Worldwise, Inc., Central Garden & Pet Company, and Deloitte & Touche.

Trott is a graduate of California State University East Bay where he received a B.S. in Accounting and Business Administration.

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. Since 1983, it has helped increase profits and reduce risk for businesses in verticals such as automotive, auto aftermarket, building materials, home furnishings, specialty retail, medical-dental and veterinary by providing efficient and affordable check verification, guarantee and conversion services. CrossCheck’s suite of services includes check conversion technology, web-based transactions, remote deposit capture and premium products for specific industries and applications. The company has offices in Petaluma, Calif. and Southlake, Texas.

Payment Guarantee Specialist CrossCheck Celebrates 37th Anniversary

joeg@cross-check.com (Joe Gargiulo) — Wed, 28 Oct 2020 18:49:54 GMT

FOR IMMEDIATE RELEASE

Petaluma, Calif. (Oct. 28, 2020) — CrossCheck, Inc., an established leader in the payment solutions industry, marked its 37^th corporate anniversary on Oct. 15. The firm’s check processing services have been used by hundreds of thousands of U.S. merchants to finalize sales that would otherwise not happen without CrossCheck standing behind each transaction. Established in 1983, CrossCheck maintains a headquarters in Petaluma, Calif. and an office in Southlake, Texas.

“Our success is due, in part, to evolving with an ever-changing marketplace and focusing on industries where our services expedite large consumer purchases,” said President and CEO J. David Siembieda. “In addition, we have experienced continued growth via diversification and strategic partnerships with national brands.”

CrossCheck is the exclusive check guarantee company for the largest retail automotive group in the country, a nationwide supplier of commercial gases, and a well-known chain of veterinary clinics. It also services numerous locations within a national home furnishings chain as well as a national distributor of plumbing, electrical and HVAC supplies.

Furthermore, CrossCheck partnered with multi-channel payment solutions company CenPOS in 2017 to provide cloud-based solutions such as Electronic Bill Presentment & Payment, Recurring Billing Systems, Electronic Check Processing and Check Guarantee.

In October 2016, the company launched a desktop app named Focus that creates a virtual terminal for merchants wanting convenient check processing functionality at their fingertips. The latest upgrade, v 1.5.6, was released in August 2020.

CrossCheck maintains an A+ rating from the Better Business Bureau (BBB) and belongs to notable national, state and local industry affiliations in financial services, retail automotive, and home furnishings.

Finally, philanthropy is a large part of the CrossCheck culture. Employees frequently contribute to a variety of causes including the Alzheimer’s Association, American Cancer Society, Redwood Empire Food Bank, Salvation Army’s Angel Tree program and numerous American Red Cross campaigns. They also volunteer at local programs to help support the American Cancer Society and Redwood Empire Food Bank.

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. Since 1983, it has helped increase profits and reduce risk for businesses in verticals such as automotive, auto aftermarket, building materials, home furnishings, specialty retail, medical-dental and veterinary by providing efficient and affordable check verification, guarantee and conversion services. CrossCheck’s suite of services includes check conversion technology, web-based transactions, remote deposit capture and premium products for specific industries and applications. The company has offices in Petaluma, Calif. and Southlake, Texas.

Contact

Editor Joe Gargiulo
707-665-2100, ext. 9501
joeg@cross-check.com

CrossCheck Updates Focus Desktop App with New Features

joeg@cross-check.com (Joe Gargiulo) — Tue, 20 Oct 2020 18:00:00 GMT

FOR IMMEDIATE RELEASE

Petaluma, Calif. (October 20, 2020) — CrossCheck, an established leader in the payment solutions industry, has released v 1.5.6 of Focus, a desktop app offering a virtual terminal. This upgrade provides merchant customers with enhanced options for accepting payments. Focus runs directly on a computer and eliminates the need for interfacing with a web browser while offering improved data security.

“Focus enables merchants to quickly authorize guaranteed checks and prepare them for deposit into their business accounts,” said CrossCheck President and CEO J. David Siembieda.

Launched in 2017, Focus was developed by software specialists within the CrossCheck Information Systems department. The app allows merchants to accept payments using CrossCheck’s most popular services and no-fee loaner equipment program.

Focus v 1.5 provided additional support for the Check on Delivery and Business Office Conversion Plus services as well as the Panini I: Deal check scanner used in electronic check processing.

Specific enhancements in v 1.5.6 include options for the user Activity Stream (No Reporting Rights, or reporting for up to 30 days and 100 items) and more.

“We listened to our merchant customers and simplified the process while expanding payment options,” said Vice President Steve Florczak, Information Services. “We also added features that are important to merchants.”

Future versions of Focus will include added support for check authorization workflows and reporting functions.

How does Focus work?

Merchants conduct a one-time download and installation of Focus on their computers with the help of CrossCheck Tech Support. There is no additional charge for the desktop app.

Focus interfaces with check scanners via a USB cable and the computer’s Ethernet connection to access CrossCheck’s check approval process.

About CrossCheck

CrossCheck, Inc., an established leader in the payment solutions industry, processes billions in check-transaction dollars annually throughout the United States. Since 1983, it has helped increase profits and reduce risk for businesses in verticals such as automotive, auto aftermarket, building materials, home furnishings, specialty retail, medical-dental and veterinary by providing efficient and affordable check verification, guarantee, and conversion services. CrossCheck’s suite of services includes check conversion technology, web-based transactions, remote deposit capture, and premium products for specific industries and applications. The company has offices in Petaluma, Calif., and Southlake, Texas.