Check Processing Services

Our check services offer solutions that provide thoroughness, speed, and reliability, making it easy for merchants to accept checks with confidence

Traditional Guarantee

Check Guarantee is the most commonly used check service allowing the merchant to “insure” the face value of the check and protecting the merchant against checks written on non-sufficient funds (NSF). Merchants obtain electronic approval or voice authorization for the transaction and then deposit the checks. Checks that do not clear can be submitted for reimbursement. This reimbursement typically takes 2-4 weeks from the time of receipt of the original item, and is processed electronically via the ACH. It is sent under a specific category, so the merchant can identify that the credit is for a bounced item.

Check Verification

Verification allows merchants to access a Negative Database to verify negative information regarding a particular check or check-writer. The merchant is simply “purchasing” information to aid in the decision to accept or decline a check. An approval is based on whether or not there is a positive match on the checking account number or home telephone number of the check-writer in the negative database. The decision to accept any check remains solely up to the merchant.

Check Conversion & Guarantee

American Card Systems has combined all the benefits of check conversion and check guarantee to provide the most powerful check service in the industry today. Merchants are able to convert paper checks into electronic deposits within 48 hours (two business days) while insuring the face value of the check and eliminating any chargeback liability. This service allows merchants to accept checks as safely and conveniently as credit cards.

Electronic Check Processing Benefits

  • Never take a bad check again
  • No more time consuming trips to the bank
  • No more bank fees
  • Protection against stop payment disputes
  • Accept checks online
  • Maximized every potential sales opportunity
  • No charge for customer service calls
  • 24/7 customer service
  • Custom designed premium programs

Paper Check Guarantee

  • Check approval on the spot
  • Never deal with a bounced check ever again, all disputes are handled without any fees
  • No stop payment

Electronic Check Conversion

  • Check approval on the spot
  • Save time that takes you away from your business with check conversion doing all the work
  • No more trips to the bank
  • 48-72 hour funding
  • Accept Personal, Business and Corporate Checks


American Card Systems  | 9858 Glades Road #196, Boca Raton, Florida 33434
Toll Free 866-465-1300   | Fax 866-210-7300 |  Email:

American Card Systems is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA.
American Express requires separate approval. © Copyright 2009. American Card Systems