Check Processing, ACH, & Verification — Lower Fees, Zero Bad Check Risk
Accept paper checks, electronic checks, and ACH payments with confidence. Check guarantee eliminates bounced check risk. ACH processing fees are a fraction of credit card costs — ideal for recurring billing and B2B.
Check & ACH Services
ACH Payment Processing
Accept and send payments directly via the ACH (Automated Clearing House) network. Lower fees than credit cards, ideal for recurring payments, B2B transactions, and high-ticket purchases.
eCheck Processing
Accept electronic checks online through your website or invoice. Customers enter routing and account numbers — we handle verification and processing.
Check Guarantee
Accept paper checks with zero risk. If a guaranteed check bounces, we pay you the full face value. Eliminate bad check losses completely.
Check Verification
Screen checks in real-time before you accept them. Reduce risk without the cost of full guarantee by identifying problem checks before they bounce.
Remote Deposit Capture
Deposit checks from your office using a desktop scanner. No more trips to the bank. Funds available next business day.
ACH vs. Credit Card Processing: Cost Comparison
| Metric | ACH / eCheck | Credit Card |
|---|---|---|
| Cost per $1,000 transaction | $0.25 – $1.50 | $25 – $35 |
| Monthly fees | From $15/mo | From $25/mo |
| Chargebacks/Disputes | Very rare | Common (~1%) |
| Settlement time | 1–3 business days | 1–2 business days |
| Best for | Recurring, B2B, high-ticket | Retail, e-commerce, quick sales |
| Customer convenience | Moderate | High |
*ACH can save businesses 80-90% on processing fees compared to credit cards for recurring and B2B payments.
Industries That Save with Check & ACH
Property Management
Collect rent via ACH with automated recurring billing. Eliminate check handling and late payment chasing.
B2B & Wholesale
Process large B2B transactions at a fraction of credit card costs. ACH is the standard for business-to-business payments.
Subscription Services
Automated recurring ACH debits for memberships, SaaS, subscriptions, and installment payments.
Insurance & Legal
Process premium payments and retainer fees via ACH. Professional, low-cost, and fully documented.
Healthcare & Dental
Collect patient payments, process payment plans, and handle insurance reimbursements via ACH.
Home Services
HVAC, plumbing, electrical — accept checks on-site with mobile check scanning and instant verification.
Start Saving on Payment Processing
ACH, eCheck, check guarantee, and verification — all from one provider.
Get a Free QuoteCheck and ACH services subject to underwriting approval. Processing fees vary by volume and risk profile. Check guarantee covers approved transactions only. NACHA rules and regulations apply to all ACH transactions. TrustScore Merchant Services, a division of TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.