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.

At CrossCheck, we believe in doing business with trust and confidence. For over 40 years, we’ve delivered payment protection for businesses that need to accept checks and high-dollar payments without fear of loss. Whether you're selling a vehicle, replacing a roof, furnishing a home, or caring for someone’s pet, you deserve to be paid for the work you do and the service you provide.

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.

A bounced check can create a ripple effect of problems: lost revenue, wasted time, awkward conversations, and even legal complications. For businesses that accept checks, it’s not just inconvenient — it’s a direct threat to cash flow. That’s where CrossCheck’s check guarantee services come 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.

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.

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.