Retail Check Verification

Payment on Account

Get more customers to shop more.

Certegy’s Payment on Account feature is designed to validate checks used to pay down a balance on your branded credit card.

Leveraging our check authorization platform, we address the POA challenge of avoiding chargebacks on a charge account. We have implemented sophisticated risk management enhancements to help retailers conquer both intentional and unintentional fraudulent activity.

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

How it Works

1
Your customer accrues a balance in-store through your brand’s private label credit card.
2
The customer presents a check to pay against the balance.
3
Real-time transactions are routed to Certegy, where they are screened against data sources and controls specially designed for POA processing.
4
Certegy sends an instant accept or decline recommendation to open the balance.
A man is a paying a credit card while on his phone. A close of men's shirts.

Other Product Features

ECC Point-of-Sale

Convert a customer’s check into an electronic ACH payment from their bank account.

Streamline Checkout

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