E-Giving Solutions
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Vcheck was launched in 1996 by SoftwareSolutions.Net. We gladly operate under the stringent requirements to qualify for the following:
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phone checks, fax checks, electronic checks
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We Have Custom Versions of Our Checks by Phone, Checks by FAX or eChecks via the Internet System for Insurance Agents, Government Agencies, General Business and Non-Profits.

Optional, Integrated Real-Time Check Verification Service

The Most Advanced Check Verification Service on the Market!
Can be used for ALL checks your company receives!

This is an optional service that may be added to your new or existing Vcheck/Checkbind account. Once added, all Vchecks created through our system - new, recurring or for a repeat customer - are automatically screened and verified in real-time - with details of the results kept in the Check Details file.

Additionally, the Virtual Terminal built directly into your Vcheck Control Panel allows you to run the same high-level check verification on ANY check that comes into your business - in the mail or dropped off in your office.

We’re so sure you will love this service, we’ll provide you with 100 free verifications before you sign up!

This unparalleled check verification service, provides online, real-time access to positive and negative account information, as well as, check level status. The service identifies items at the point-of-sale which assists in the elimination of potential fraud and reduces the likelihood of returning unpaid items. Our system is designed to position businesses to protect themselves from costly financial loss, by strengthening and protecting their ability to identify possible fraudulent transactions while conducting good business.

By now, you’ve been to many different web-sites offering check verification services. You have probably figured out that most of these companies seem to be offering the same thing just under a different name. You’re right. Why? Banking regulations will only allow a certain amount of data to be released on any given account. Thus we’re all limited to the same data provided by financial institutions and database providers. That’s the bad news. The good news is twofold.

  1. There is a difference in what can be done with the data provided thus giving you more pertinent information on any given account.
  2. There is a higher level of data and enhanced account information that is virtually going unnoticed and unaddressed by most providers. In the end, because of costs and time constraints, they choose not to offer these enhancements.....until now.

We have partnered with a network of providers that have developed a way to offer this complete service at transaction costs equal to those of other check verification providers with lesser services. The best way to illustrate the difference is a direct comparison of services that everyone else offers compared to what we can provide.

Real-time Account Status Information

Who offers this?

 Everyone.

What they offer:

 They provide you with a generic accept or decline message based on the current account status as of the opening of that banking day. Most major banks provide data for this service. This is the highest level of information that can be provided based current banking regulations and law.

What we offer:

 Everything they do plus when we decline a check we provide you with the reason behind why we declined it. Decline reasons include....
  • Account Closed
  • Stop Payment
  • The account is currently in an NSF balance
  • Non DDA Account
  • Invalid Account Number
  • Invalid Routing Number
  • The account doesn’t exist
  • Stolen/Forged/Fraud

Why is this important?

 The more information the merchant has, the better its ability to make decisions. For example, some merchants will do business with a customer whose account is currently in an NSF status because all they care about is knowing whether or not the account is an open and valid. By providing the merchant with these detailed responses, it enables the merchant to make informed decisions on a customer by customer basis.

National Check Networks (NCN) Negative Database

Who offers this?

 Everyone.

What they offer:

 When a merchant pings the database they receive an accept or decline. The decline is just that, a decline. No further information is provided. The database is created by participating merchants and collection agencies based on dishonored checks that were presented to them.

What we offer:

 Everything they do, plus, when we decline, we provide you with the reason why. Declined reasons include.....
  • Negative Data – Information was found in the NCN Negative database. Typically this is because of NSF activity.
  • Closed Account – Bank Stop: Bank has stopped the account.
  • Stolen/Forged/Fraud – Someone has reported that checks with this account have been stolen or forged.
  • Customer Stop – The account owner has requested that transactions on this account be stopped. This is likely because the checks have been lost or stolen.
  • Merchant Stop – The merchant has requested that all checks with this account be stopped.

Why is this important?

 Finding out exactly why a check is in a negative database is extremely important. If you’re in an industry where your clientele is subprime, they will probably have checks present in the negative database. In reality, what is really important is whether they have truly fraudulent items out in the market.

Fraud Data Supplied by Financial Institutions

Who offers this?

 No one to our knowledge

What we offer:

 Every week our provider receives updates from financial institutions on accounts that are reported as fraud.

Why is this important?

 Financial institutions are the first to know when account fraud is present.

Real-time Account Information

Who offers this?

 A few.

What they offer:

 They provide you with a “yes” or “no” response on whether or not there is enough money in the account at that time for the check to clear.

What we offer:

 The same thing.

Why is this important?

 Unfortunately there are only three small banks that provide this information and that list hasn’t grown in the past three years. Providers will claim more are coming online, but they’ve been claiming that for 3 years. The bottom line is less than 1% of the checks you take will be able to be verified using this service and it’s difficult to build a business case around it. If any provider tells you anything different, it’s just not true.

Additional Data We Provide

  • Information on invalid account numbers
  • Information on invalid routing numbers
  • Duplicate check number information
  • Additional internal fraud notifications based on our own databases.
  • And more!

The differences are staggering. When it comes to check verification, the most critical component is the level of detail being delivered to the merchant. It’s an indisputable fact that our partner service providers deliver more comprehensive check data than any other provider in the market. We also provide you detailed reporting and multiple ways to receive the data – Virtual Terminal, Batch, and Real-time connections.

To prove our solution is best in class please Contact Us using the form below, and we will gladly provide you with 100 FREE VERIFICATIONS to see for yourself. Will anyone else do that?

What Does It Cost?

This 4-Level check verification service will pay for itself the first time it shields you from accepting a bad check. Because this service is provided by an outside service provider, there are additional monthly/verification fees involved in addition to the normal annual fees you are paying for your Vcheck/Checkbind account.

Monthly Fee: Once approved and issued your verification merchantID, username and password, there is a $12.00 monthly gateway fee to have 24/7 access to the service. As mentioned above, every Vcheck that is created through your account will be automatically verified and the Virtual Terminal allows you to verify any check that comes into your business.

Per Verification Fee: In addition to the monthly gateway fee, each verification cost .32 (32 cents). This includes the full 4-level verification.

While the service has been fully integrated into the Vcheck system, the monthly gateway and verification fees will be charged to you directly by the service provider.

Request 100 Free Verifications!
(Not all businesses accepted - please see list below this form!)

Unfortunately, the 100 Free Verifications are not through the integrated system within Vcheck. They can be performed manually via a web-based Virtual Terminal. Once we get your information, we will setup your test account and send you an email with details. As soon as your are convinced this service is for you, just contact us at verifications@checkbind.com and we will send you the applications to sign-up for the full-featured integrated verification account.

Forget the Test Account I'm Ready to Sign-Up! Yes, just send me the full account application
Company Name
Point of Contact Name
Your Email Address
Confirm Email Address
Daytime Phone Number
Address 1
Address 2
City
State
Zip Code

The Service Provider for Our Check Verification Service Will Not Provide Service for the Following:

1. Outbound Telemarketing
2. “Get Rich Quick Schemes"
3. Merchant offering prizes, sweepstakes or contest to induce sale
4. Lotteries, gambling, internet gaming, contest or sweepstakes
5. Sports forecasting or odds-making
6. Chain Letters
7. Non-Face to Face sale of prescription drugs
8. Sale of tobacco or alcohol products
9. All sexually oriented or pornographic merchants
10. Any illegal products/services
11. Massage parlors
12. Money transfer services
13. Merchant Aggregators
14. Escort Services
15. “Hype” Products/Services
16. International Merchants
17. Membership Organizations over 12 months
18. Off-Shore Corporation Establishment Services
19. Third Party Processing
20. Fortune Tellers
21. Drug Paraphernalia
22. Adult Entertainment (all)
a. Bookstores
b. Dating Services
c. Phone conversations
d. Topless Bars
e. Internet sites or Video text

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Call for answers about accepting checks by phone, fax, or online internet
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Our Vcheck / Echeck ecommerce check writing software is perfect for any church or non-profit.

You can take check donations by phone, donations by FAX, or donations online and process them immediately.

Our system is faster and less expensive than electronic funds transfer and does not have the ACH or EFT fees.

You can now accept checks directly from your website, over the telephone, or have your donors FAX you a check.

With support for recurring payments, E-Sign electronic signature capture and donation form integration, Vcheck is full-featured, but easy to use. You can be printing check donations within minutes of starting your account!
 
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Our Vcheck | Echeck service allows you to instantly accept e-giving checks donations by phone, by fax, or echecks via the Internet. With support for recurring donations along with signature capture, our online giving solution is perfect for your church or non-profit organization.