CrossCheck Blog

In a perfect world, every customer would pay instantly—and every check would clear without a hitch. But if you're running a mobile business, from delivering furniture to repairing air conditioners or fixing windshields, you know that's not always the case. That’s why CrossCheck Mobile Pay was developed: to make it easy for you to get paid by check safely and on the spot, no matter where the job takes you.

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.

Veterinary practices provide the best possible care for pets, but rising treatment costs can create challenges for both clinics and pet owners. Unexpected expenses often lead pet parents to delay or decline necessary care, while clinics face the challenge of offering flexible payment options without risking their financial stability.

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.

In a world of digital payments, mobile wallets, and contactless transactions, many businesses assume that checks are outdated—but that couldn’t be further from the truth. While credit cards and digital payments dominate headlines, checks remain a crucial part of business transactions, especially for industries that rely on high-dollar purchases and cost-effective payment processing. According to the 2022 Federal Reserve Payments Study (most recent study), checks accounted for $26 trillion in processed payments. While check usage has declined over time, it remains a key payment method for businesses looking to reduce costs, improve cash flow, and offer customers flexible payment options. Accepting checks—especially with a check guarantee service—can be a smart financial decision in 2025 and beyond.

Returned checks have been a challenge for businesses since checks first appeared in the U.S. in 1681. Solutions for this issue vary widely, from promises of "free online check verification" to advice on "how to verify check funds before they bounce." But the truth remains: free check verification is as mythical as a free lunch.

Check fraud, often referred to as "paperhanging," occurs when individuals intentionally write bad checks. While accidental mistakes can happen, repeated offenses are criminal. In 2023, total check fraud attempts soared to approximately $18.5 billion. Successful fraud losses climbed to about $1.4 billion. However, U.S. banks continue to prevent over 90% of these attempts through early detection.