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Payment Chek® Service

 

 

 

 

Secure Your Payments World

Whether you’re receiving payments via check, ACH, or wire, possessing tools to identify high-risk transactions in real-time is essential. For financial institutions taking in payments for mortgages, loans and more, our Payment Chek Service helps limit returns and mitigate fraud to get your payment’s world secured.

How It Works
Customer Sends Payment

Customer delivers a payment via check, ACH or wire at the ATM, online, or in-branch.

Bank Inquiry

The receiving bank inquires Early Warning’s database in real-time seeking information on a payment to determine its risk profile.

Early Warning Response

Early Warning responds with insight on the account status, type of account, account owner, and the potential risk of accepting the incoming payment to assist the inquirer in determining whether to accept or decline the transaction.

PRODUCT BENEFITS

Our Payment Chek Service with Account Owner Authentication helps answer the following questions in real-time:

  • Authenticate account ownership
  • Does the payer’s account exist? …and is it in good standing?
  • Is the account in a closed, NSF or other high-risk status?
  • Has a stop-payment been placed on the item?
  • What is the likelihood of the item being returned?
  • Is the item a potential duplicate?

Payment Chek Service also helps you:

  • Enhance the customer experience
  • Reduce losses associated with “bad” payments
  • Increase payment posting times
  • Detect counterfeit and duplicate items
Best as Bundle

Fast, Safe and Easy Interactions

Combine our Payment Chek Service with our mobile authentication solutions to enable fast, safe and easy customer interactions. Our Authentify® Platform Solution Suite provides effective online device verification and authentication to reduce fraud and enhance customers’ experiences throughout their lifecycle and across all channels.

Let’s talk about how our Real-time Payment Chek Service can work for you.

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