Point-of-sale conversion

Accept and process checks electronically at the point-of-sale, just like a credit card. Our check reader or imager will connect to almost any standard credit card terminal.

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How it works

  • Paper check accepted face-to-face at the point-of-sale
  • Check run through a check reader
  • 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)


  • Skip trip to the bank
  • Eliminate banking fees and paper check handling costs
  • Reduce bad checks
  • Consolidate deposits from multiple locations

Markets served

  • Retail and service store fronts