March 30, at 4:
With our outstanding low cost check verification service, you as a small, medium, or large sized retailer are welcome to utilize the exact same database as the national retailers. ArJay Data has been providing this service for over 20 years to overretail locations.
When you join the Bank Network, in addition to accessing data provided by other merchants, you will have access to the best available data regarding the actual bank account. All in a matter of seconds.
Wouldn't it be great if you could reduce your risk of accepting a bad check by knowing that your customer has already bounced a check someplace else and has not made good on repaying the merchant. Those are pretty good odds. How the Check Verification Process Works When accepting a check at the point-of-sale, you will use a check reader or designate one of the keys from your existing credit card terminal or electronic cash register ECR to dial into the database either over the phone lines or via the Internet to verify that the check writer is not in the database.
Your check reader will either read the Full MICR check writer's bank routing and account numbers plus the driver's license number and state code.
In as little as 8 to 10 seconds, the database responds with an "accept" or "decline" message. If the check is accepted, the sale completes as usual; if declined, the merchant requests another form of payment. In addition, you will have a supply of "decline" pads which allows you to tear of a little piece of paper to give to the customer with a toll-free number for the customer to call themselves to find out the reason for the decline and how they can resolve the problem.
You are not involved in this process. In addition, toll-free technical support is available to you when questions might arise from either you or your employees. What Equipment do you recommend? The ArJay Data program supports a large variety of popular check scanners, check imagers, smart phones, and your computer.
If you already own check service equipment then just let us know the model and we will let you know if it is certified. However, if you do not currently own a check scanner or imager then we highly recommend the Digital ChexPress CX This MICR-enabled check scanner combines accuracy and reliability with an affordable price.
Having the exact same features as units costing several times more it brings bank quality and durability within reach of small and medium-sized businesses. What is my Cost for Check Verification? Turning down just one potential bad check per month or quarter can justify the cost of this service for an entire year.
Yes — There is More — You can also become a Contributor! In the recent past only the largest national retailers and banks had the ability to add bad check writers to the negative database which is known as being a Contributor.
Now through a special arrangement AJjay Data can also permit small and medium sized retailers to also contribute as long as they are just a little bit computer savvy and also responsible. That is because to contribute a bad check you must provide some very minimal documentation of the sale via the Internet and also commit to submitting the form to take them out of the database in a timely manner should they make good on the NSF check that they wrote in your business.
What this essentially means is that the bad check writer will not be able to use a check in one of the member retailers and possibly not able to open a new checking account in a member bank until they make good on paying the NSF check plus the state allowed bounced check fee to the network.
Tell us when you sign up for the service if you want this Option and we will include the Contributor Agreement.The time I rescued a school bus full of boy scouts on a field trip to Kroger and made Kroger famous (Preview) --Dave: 2: 14h ago by Anonymous.
Snow apocalypse. Declined Check Information for Check Writers +1 () Look up your decline code online.. Returned Check Collection +1 () Free annual file . Guest post from Micah of Home Faith Family: For my fifth birthday, my dad gave me a choice between two birthday presents.
A traditional gift. A daddy-daughter date with no other siblings to come along. So I am writing here to let everyone know if you go to the Kroger grocery, the employees do not respect their managers and supervisors.
The last 10 checks I have written were to Kroger and /5(). Frequent check writing will slowly increase how often you can write them. This is a loss prevention policy and they are unbending and could care less about any difficulties this may cause loyal customers. Make sure you know the bounced-check policies at stores where you shop.
To prevent bounced checks, balance your account regularly. You can check your balance for free online and by phone at many.