Check guarantee

Check guarantee is protection that eliminates the risks of accepting bad checks. Merchants can enjoy a peace of mind knowing funds are guaranteed. Check Guarantee can be utilized as a stand-alone program or as an added feature with most of Paya Services' check programs. Available on almost all pos credit card terminals. Multiple virtual terminals/gateways are also supported.

How it works

  • Consumer’s checking account and ID are verified against national database
  • Instant authorization or decline will be received
  • Merchant will be guaranteed funded (or reimbursed) on NSF checks


  • Out of-town and out-of-state checks acceptable
  • Larger check limits available
  • Descriptive responses help merchant if transaction is declined


  • Highest approval rates in industry
  • Improved cash flows
  • Virtually eliminate bad checks and fraud
  • Eliminate collection operations
  • Professional and courteous check writer support handled by Paya Services