Electronic Check Processing

TSYS® offers check processing through CrossCheck®, which provides electronic processing and settlement of checks at the point-of-sale (POS).  

Electronic Check Processing

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Electronic Check Processing

TSYS® offers check processing through CrossCheck®, which provides electronic processing and settlement of checks at the point-of-sale (POS). Check acceptance opens up a new transactional stream, allowing merchants to reach more customers. It also saves time by eliminating a trip to the bank to make deposits. 

This comprehensive program provides check verification and guarantee, electronic check conversion (ECC) with imaging, reimbursement for returned checks, business check conversion and multi-check acceptance with one of the highest approval rates in the industry. 

Four CrossCheck programs are offered:

  • Standard Verification — Check approval is available via a POS terminal equipped with a check reader or via a website and interactive voice response (IVR). The merchant deposits the approved paper check at the bank and is responsible for lost funds on returned checks.
  • Standard Guarantee — Check approval is available via a POS terminal equipped with a check reader or via a website and IVR. The merchant deposits the approved paper check at the bank. CrossCheck reimburses the merchant for lost funds on returned checks.
  • Premium Verification — A paper check is electronically converted for deposit through a check reader. If the check is returned, the merchant is responsible for lost funds. No website or IVR processing is available due to the need to electronically convert the check.
  • Premium Guarantee — A paper check is converted electronically for deposit through either a check reader or imager. If a reader is used, the merchant must send checks to CrossCheck weekly. CrossCheck reimburses the merchant for any returned checks provided they were processed correctly. No website or IVR processing is available as these services do not capture the necessary information for conversion.

To support these programs, TSYS offers both check readers and check imagers. Readers pull the DDA (Demand Deposit Account) and routing number from the check electronically. An imager stores a picture of the check for the merchant’s records.

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