CrossCheck Blog

Auto Sales Are Rising, But Payment Certainty Is Under Pressure US retail auto sales closed out 2025 on a stronger footing, even after a softer fourth quarter. According to new data from J.D. Power, full-year new vehicle retail volume increased by approximately 4 percent. On the surface, that points to a resilient market.

Check guarantee usually costs between 1 and 2 percent of the transaction amount. The exact rate depends on the industry, transaction size, risk level, and how many checks or ACH payments your business processes. For many companies, the cost is similar to or lower than credit card processing fees. The difference is that approved checks are protected from loss.