Merchants are provided the capability of accepting and processing checks over the web. The consumer is able to initiate a check payment on the merchants website or payment gateway. Ideal for bill payments or eCommerce, and compatible with selected certified gateways.

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How it works

  • Consumer initiates a transaction on merchants website or payment gateway
  • Payment gateway will communicate to Paya
  • Funds electronically debited from the client
  • 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
  • User defined custom fields
  • Data export for 3rd party accounting or archiving
  • Detailed online reporting of transaction activity
  • Multiple certified 3rd party gateways supported
  • Consumer convenience fee option


  • Improved cash flows with expedited payments
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Automatic notification and resubmission of NSF items

Markets served

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