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. Checks Have Evolved. So Has Check Guarantee.
The modern check is not always a piece of paper handed across the counter. It can be:
- A check taken over the phone and entered remotely
- A check submitted online using an ACH authorization
- A payment broken into multiple checks, spread over 30 days, to give the buyer flexibility
- A business check mailed in by a contractor to pay for large inventory orders
Each of these scenarios carries risk. If the check bounces or the payment is reversed, the business loses time, money, and often the product too. That is why check guarantee has become a digital tool, not just a point-of-sale service.
CrossCheck Covers the Risk Wherever You Accept Checks
At CrossCheck, we help retailers accept checks in store, online, by phone, and in the field with confidence. Our check guarantee programs ensure that if a covered check is returned, we pay you.
We support businesses across a wide range of industries, from dealerships texting secure ACH payment links, to contractors phoning in checks from job sites, to furniture stores offering flexible terms with Multiple Check. Today’s payment landscape is all about meeting customers where they are.
We support:
- Remote Deposit Capture, allowing you to accept checks and deposit them electronically
- Multiple Check, which lets customers write two to four checks dated at the time of purchase and deposited on an agreed-upon schedule
- ACH solutions that let you send a secure payment link to your customer, so they can enter their checking information and authorize payment on their own device
Why This Matters for Retailers in 2025
Today’s customers want payment flexibility, but retailers want guaranteed revenue. Check guarantee bridges that gap. It lets you say yes to more payment types without putting your cash flow at risk.
It is not about how many checks you accept. It is about protecting the value of the ones you do.
Ready to Modernize How You Accept Checks?
For over 40 years, CrossCheck has helped retailers protect their revenue with tools that evolve alongside the way business gets done — whether in person or from across the country. Our check guarantee and remote payment solutions are built for the flexibility and security today’s market demands.
Let’s find the right check acceptance tools for your business — explore our programs or schedule a consultation to get started.