CrossCheck Blog

As more businesses adopt digital payment options, many merchants are asking the same question: do checks still make sense, or should everything move to ACH? The reality is that both payment methods continue to play an important role. While ACH and other bank-based payments offer speed and convenience, checks remain widely used across industries where transaction sizes are larger or where customers prefer traditional payment methods. Instead of replacing one with the other, many businesses are finding that a balanced approach works best.

If you’ve paid a bill online recently, you may have noticed a subtle shift.

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.

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.

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.

Check machines are a very common and often overlooked piece of technology used by merchants and other businesses today. Checks continue to be a preferred payment method for a sizable portion of consumers for certain purchases. Consequently, vendors should be equipped with check machines to streamline their check transaction process and mitigate the risk of bad checks.