Check 21 remote deposit capture

Remote check deposit is one of our most popular check services known for its simplicity and ease of use. Utilizing a check imager connected to a PC or POS terminal, electronically deposit ALL types of paper checks and "skip the trip to the bank."

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How it works

  • Paper checks received in the mail, drop box or in person
  • Check run through a check imager connected to PC
  • Funds electronically debited from consumer checking account
  • Funds electronically deposited into merchant’s account
  • Transaction information uploaded to Paya through a variety of options (virtual terminal, payment gateway, API or batch file)


  • Check Verification
  • Check Guarantee
  • Web based user interface
  • Error reduction systems
  • Customer information management systems
  • User defined custom fields
  • Data export for 3rd party accounting or archiving
  • Supports multiple locations and users
  • Single feed and multi feed imagers supported
  • Merchant can maintain existing bank account
  • Virtual Terminal


  • Skip trip to the bank
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Consolidate deposits from multiple locations
  • Automatic notification and resubmission of NSF items
  • All types of checks accepted (personal, corporate, money orders, cashiers checks, etc.)

Markets served

  • Bill Payments
  • Mail Order
  • B2B
  • Medical
  • Utilities
  • Government
  • Educational
  • Property Management
  • Insurance
  • Non-Profit