Use Check Verification to Authorize Checks  

What is Check Verification?

Check verification is a payments processing service that recommends whether or not merchants should accept specific checks. Since it is impossible to determine if individuals or businesses have sufficient funds to cover checks drawn on their accounts, payments processing vendors provide recommendations to reduce the likelihood of returned items.

Check Verification vs. Check Guarantee

Check verification and check guarantee services help businesses increase sales and mitigate risk, but there are fundamental differences in the services:

  • Check verification advises merchants on the legitimacy of checks without covering the cost of items returned from the bank unpaid. Merchants assume their own risk in accepting recommended checks.
  • Check guarantee offers a greater level of protection by reimbursing merchants the appropriate amount of funds should items be returned from the bank unpaid.

How Does Check Verification Work?

Sleek Black Check Processing Machine Only financial institutions and select business types are authorized to access checking account information. These organizations utilize a variety of databases and algorithms to score check writers at the point of sale and make risk assessments.

CrossCheck's database, for example, houses information on millions of check writers that includes documentation about closed accounts, check-writing histories, and individuals who have offered invalid checks as payment.

CrossCheck merchant customers simply enter checking account information at the point of sale and receive one of two responses: Recommended or Not Recommended.

Checks can be authorized via phone, the CrossCheck online portal, CrossCheck FOCUS (a free desktop application), or compatible third-party equipment.

Check Verification vs. Check Guarantee at CrossCheck


Check Verification

Check Guarantee

Free Loaner Equipment



Free 24/7 Customer Services



Guaranteed by CrossCheck




Lower Rates

Higher Rates

Who Uses Check Verification?

Businesses with high sales volumes on low-ticket merchandise can greatly benefit from check verification services due to the low associated risk. Examples include grocery and convenience stores, gas stations, car washes, oil stop centers or dry cleaners.

How Long Does It Take to Set Up Check Verification?

Check Verification can be set up in as little as 24 hours depending on merchant needs and preferences in equipment. Store size and the number of locations should be taken into account when setting up this service.

CrossCheck’s Check Verification service helps merchants increase sales and mitigate risk while saving time and money.

check verification

Download our free guide to learn how it can help your business.