Custom Check Guarantee Program with Xpress Check, America's check guarantee specialist.

This program has been designed to save time and money and to help your business grow and succeed. Whether you operate a retail establishment, restaurant, hotel or any other type of business, Xpress Check provides a consistent, predictable source of check guarantee services.

CreditCardProcessor.Com and Xpress Check are excited to offer you a check guarantee program that is competitive and will allow you to maximize your profits. Together we can offer Paper Based Verification, Paper Based Verification with Guarantee, Conversion, Conversion Guarantee with Image and Conversion Guarantee with MICR check services including:

• Lightning-Fast Processing
• Reimbursement For 100% Of The Check's Face Value
• Stop-Payment Coverage
• Bank Fee Reimbursement
• No-Fault Coverage
• Fast And Easy Claims Payment

  Electronic Check Converstion (ECC)

Convert paper checks into electronic transactions and process them like a credit card. The check is passed through a reader/imager that captures all the necessary data. Once the check is approved, an image of the check is stored for batch transmittal. The terminal then produces a receipt for the check writer to sign. This allows for funds to transfer days sooner than depositing paper checks. 

Two Convenient Programs

Electronic Check Conversion with Guarantee
Within seconds our system will approve or decline a check. If we approved it and the check is returned, we will reimburse the merchant for 100% of the face value. No questions asked.

Electronic Check Conversion with Verification
This Xpress Check service allows merchants to accept checks without the risk of taking bad or fraudulent checks. Each check is passed through a reader and is instantly verified against a large negative check file. Upon approval, the merchant then deposits the paper check at the bank.

Check Recovery Service

The check is the heart of the payment system in the U.S. However, accepting checks automatically poses a risk to merchants. Chances are that few merchants have the time or expertise to collect on bad checks. Xpress Check Check Recovery relieves the merchant of the collection responsibility and aggressively pursues payment on bad checks. The merchant is paid the full face-value of any collected check.  

Transaction Fees

All of Xpress Check transactions including Paper Based Verification, Paper Based Verification with Guarantee, Conversion, Conversion Guarantee with Imager, and Conversion Guarantee with MICR, are priced exactly the same. 

• $0.25 Per Check Transaction Fee 

Discount Fee Rates

All Xpress Check Verification with Guarantee, Conversion Guarantee with Imager, and Conversion Guarantee with MICR products also have an additional Discount Fee Rate applied to each transaction.

• 1.40% Per Check Buy Rate 

Discount Fee Rates

• $25.00 Monthly Minimum is required on every merchant’s account* 

*This can be split between a $15.00 Monthly Minimum and a $10.00 Statement Fee.

Please Note: All Xpress Check pricing is subject to change according to any increases in check processing expenses.

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