Secure Your Payments World

Whether you’re receiving payments via check or ACH, possessing tools to identify high-risk transactions in real-time is essential. For organizations receiving payments for cards, HELOCs, and services, our Payment Chek® Service helps limit returns and mitigate fraud to get your payment’s world secured. The service also helps detect fraudulent disbursements by confirming ownership of receiving accounts.

ID Chek
Customer Sends Payment

Customer makes a payment by presenting a check in person or by paying online via ACH.

Bank Inquiry

The payee organization submits an inquiry to Early Warning’s database in real-time seeking information on a payment to determine its risk profile.

Early Warning Response

Early Warning responds with insight on the account status, type of account, account owner, and risk scores to identify the potential risk of accepting the incoming payment to assist the inquirer in determining whether to accept or decline the transaction.


Our Payment Chek Service® with Account Owner Authentication helps answer the following questions in real-time:

  • Is this person authorized to transact on the account?
  • Does the payer’s account exist? …and is it in good standing?
  • Is the account in a closed, NSF or other high-risk status?
  • Has a stop-payment been placed on the item?
  • What is the likelihood of the payment being returned?
  • Is the item a potential duplicate presentment?


Payment Chek® Service also helps you:

  • Enhance the customer experience
  • Reduce losses associated with “bad” payments
  • Increase payment posting times

Let’s talk about how our Real-time Payment Chek® Service can work for you.

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