Check Guarantee & ACH

XCharge offers a variety of check processing services. Merchants can choose from a wide array of verification services. eChecks allow a merchant to deduct funds from a customer checking account in real time. ACH/EFT capabilities also allow merchants to establish monthly billing cycles that automatically transfer funds from customer accounts on a regular basis. Each service can provide the merchant up to 100% of the check amount if it is returned from the issuing bank.

XCharge employs a national database for Check Verification service. This database verifies each check accepted and reimburses the merchant in the case a check is returned due to insufficient funds.