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Check Services

Check Services are payment services that allow online and traditional merchants to accept and process checks from consumer and corporate bank accounts safely and securely regardless of whether the business is retail, mail/phone order or internet-based.

Having the ability to accept checks is a vital component of the revenue flow for any business considering the fact that 1/3 of non cash payments are made with paper checks. Listed below are facts and statistics on the check processing industry.
  • 61% of the buying public does not have a major credit card and 83% of the total consuming public write personal checks when shopping.
  • Automated Clearing House (ACH) transactions increased from 14.6 billion payments in 2006 to 19.1 billion payments in 2009.
  • 96% of all checks are now electronified during the clearing process as opposed to 43% in 2006.
  • 74% of all business-to-business payments are made by check
Benefits of accepting checks
  • Increase sales by expanding payment options to your existing and new customers
  • Increase customer satisfaction
  • Easy access to funds in 2-3 business days since checks are automatically deposited into your checking account electronically
  • No trips to bank - so no gas/labor expenses
  • No checks returned due to NSF if using guarantee
  • Completely eliminate bank NSF fees if using guarantee
  • Check services rates are usually lower than credit card rates
  • Easy reconciliation with access to online reports and statements
You can accept and process checks you receive through

Check Services
Point of Sale For face-to-face transactions, Point of Sale Conversion enables merchants to process checks electronically... just like a credit card. Check 21+ Accept any type of check, in a point of sale or consumer-not-present environment. Electronic deposit lets you skip the trip to the bank.
Checks By Phone Enabling merchants to accept and process checks from their customers over the phone. Paper Guarantee Guaranteed funding on paper checks accepted face-to-face that are then manually deposited in the bank.
ACH Debit Process single or recurring ACH debit transactions from the checking account of a consumer or another business. Tele-Debit Mobile Merchants can debit consumers checking account utilizing any touch tone phone. Guaranteed Funding is available.
Checks By Web Consumers initiate check payment on merchants website or payment gateway (Bill Payments or eCommerce).
Click here for answers to frequently asked questions.

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Commerce Technologies Corporation
American Express may require separate approval.
E-Commerce Exchange is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA.
Wells Fargo, N.A. is not affiliated with International accounts.