PRODUCTS / PAYMENT & DEPOSIT VERIFICATION

Payment Chek® Service

 

 

 

 

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.

How It Works
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.

PRODUCT BENEFITS

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
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Best as Bundle

Fast, Safe and Easy Interactions

Combine our Payment Chek Service with our mobile authentication solutions to enable fast, safe and easy customer interactions. Our Authentify® Platform Solution Suite provides effective online device verification and authentication to reduce fraud and enhance customers’ experiences throughout their lifecycle and across all channels.

Learn More

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

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Early Warning Services, LLC, is a fintech company owned by seven of the country’s largest banks. For almost three decades, our identity, risk and payment solutions have been empowering financial institutions to make confident decisions, enable payments and mitigate fraud. Today, Early Warning is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming payment experiences.

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