Retail Check Verification

Electronic Check Conversion (ECC) Point-of-Sale

Double the speed of paper.

Certegy’s ECC Point-of-Sale feature converts your customer’s paper check into an electronic transaction through the ACH network.

Powered by our real-time authorization system, the digital process clears checks twice as fast as traditional methods from the point-of-sale. It makes accepting checks as safe and simple as accepting credit cards, but with lower processing fees.

An illustration of a clock.
24-48 hr settlement window

Less paper. Less contact.

Our electronic option completely eliminates the back office work of managing deposits. That means little to no paper handling, ensuring that every sale passes through fewer hands.

Someone paying with their phone in a store. A woman in an apron leaning on a counter.

How it Works

1
Your customer presents a check at a point-of-sale terminal.
2
The check’s details are reviewed and verified via Certegy’s comprehensive risk assessment platform.
3
Certegy sends an instant accept or decline recommendation. 
4
The check is converted into an electronic payment and returned to the customer with a VOID stamp.
5
The payment is deposited in your bank account as soon as the next banking day.
An aerial view of a busy city street. A woman is at a self-checkout in a grocery store, buying radishes.

Other Product Features

Returned Check Processing

Bad checks are automatically processed via Certegy’s banking network.

Simplify Claims

Pay Plan

Split a customer’s payment into multiple checks, processed over a set period of time.

Support Flexibility

Payment on Account

Allow customers to pay off or pay down their store credit balance with a check.

Accelerate Purchases