CrossCheck Blog

Commercial checks are carrying more weight than ever. Over the past decade, the average value of a commercial check has climbed dramatically, highlighting their ongoing role in high-dollar transactions across many industries. Even with ACH, credit cards, and instant payment options gaining traction, checks continue to serve as a reliable and trusted choice for large-dollar B2B transactions. Many businesses still value the physical exchange, established routines, and straightforward recordkeeping that checks provide.

Rising treatment costs and tighter household budgets are making it harder for veterinary clients to say “yes” to recommended services. That means pets may miss out on timely care and clinics may lose revenue they have already earned.

BNPL Alternative for U.S. Merchants: How Multiple Check Premium Works Buy Now, Pay Later (BNPL) services like Klarna and Afterpay have gained popularity because they let customers split purchases into smaller payments. While these programs work for some buyers, they are not the only way to offer pay-over-time flexibility.

In an age of digital wallets and tap-to-pay, you might think checks are obsolete. But for many retailers, especially those handling high-dollar transactions, checks still hold a unique place at the point of sale and beyond. What has changed in 2025 is how checks are being accepted. Modern businesses are turning to check guarantee programs that go beyond paper and into the world of ACH, remote deposit, and flexible payment options. That is where CrossCheck comes in.

Store credit cards are a valuable tool for many retailers. They offer customers special deals, loyalty points, and financing promotions. But when a customer doesn’t qualify or walks away due to high interest, it can mean lost revenue for your business.

Auto repair shops often face a tough situation—customers need essential repairs right away, but paying the full amount upfront isn’t always possible. While credit cards and financing are options, they don’t work for everyone. Many customers prefer to pay by check, but that comes with risks like insufficient funds, stop payments, or closed accounts.

Balancing cash flow while providing customers with flexible payment options is a challenge every contractor and supplier faces. Waiting weeks for invoices to clear can slow down business, and credit card fees—often 2.5% to 4% per transaction—can take a big bite out of profits, especially on high-dollar sales. But turning down a sale because a customer needs more time to pay isn’t the answer.

Auto repair costs are climbing, putting both customers and dealerships in a tough spot. According to the U.S. Bureau of Labor Statistics’ Motor Vehicle Maintenance and Repair Consumer Price Index, repair costs increased 5.9% year over year in January—continuing a trend of steady increases.

Running an HVAC business comes with its fair share of challenges, especially when it comes to payments. From managing high-dollar transactions to dealing with credit card fees, finding the right payment solutions can make a big difference in your bottom line. The good news? There are reliable options that help you get paid faster, reduce costs, and give customers more flexibility. Here’s a look at some common payment challenges HVAC businesses face—and how the right tools can help.

The building materials sector faces significant challenges in 2025, influenced by factors such as inflation, potential tariffs, and rising demand for sustainable products. As the economy remains unpredictable, suppliers must find ways to streamline operations and mitigate financial risks, with a focus on efficient payment processing.