Electronic Check Processing

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

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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. Check conversion 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, website or telephone. The merchant deposits the approved paper check at the bank and is responsible for lost funds on returned checks.
  • Standard Guarantee —In addition to the standard verification, CrossCheck reimburses the merchant for lost funds on returned checks.
  • Premium Verification — A paper check is electronically converted for deposit through a check imager connected to a POS terminal or a PC using the CrossCheck website or desktop application. If the check is returned, the merchant is responsible for lost funds.
  • Premium Guarantee — A paper check is electronically converted for deposit through a check imager connected to a POS terminal or a PC using the CrossCheck website or desktop application.  Merchants keep funds regardless of funds availability.

Check imagers are available to support these programs.            

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