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Check Verification

Stop returned checks before they happen and ArJay Data solutions help you by verifying against a database of known bad check writers, such as SCAN/CertegySM or RMRSSM.  In fact, up to 75% of returned checks can be prevented with check verification. ArJay Data offers  CheckAGAIN which provides businesses with access to the nation's most powerful negative check databases, including SCAN/CertegySM (Shared Check Authorization NetworkSM) and NCN (National Check Network) ®. For more than 20 years SCANSM has been collecting information on bad check writers from over 77,000 retail locations. The SCAN/CertegySM shared network not only lets merchants know if a customer has bounced checks any SCANSM location. In addition, when used in conjunction with the CheckAGAIN's Electronic Representment service, CheckAGAIN contributes your known bad checks to these databases, further reducing your exposure to loss and fraud.

CheckAGAIN also provides electronic check re-presentment services for SCAN/CertegySM customers. Customers can opt for CheckAGAIN to automatically attempt collection on NSF checks through the banking industry's electronic ACH network at no cost. The merchant always receives 100% of the value of the check upon collection.

How Does SCAN/CertegySM Work? When you join the SCAN/CertegySM network, you have access to the largest database of known bad check  writers in existence — over 13 million current unique records from over 71,000 locations across the country. So you can cut your bad check losses by up to 80%.

SCAN/Certegy^SM vs. Guarantee Services. Why spend 2% or more per check on a guarantee service when you can screen out 80% of all bad check writers up front for pennies per transaction? Guarantee services will tell you that you're paying a flat rate for check bounces, but the reality is a different story altogether.

Collection and Recovery Options. Because SCAN/CertegySM cannot catch every bad check writer, we offer no-cost collection options for our customers, including sophisticated electronic re-presentment through CheckAGAIN. CheckAGAIN returns 100% of your principal when checks are successfully re-presented.

Will SCAN ^SM Work with My Existing Equipment? The SCAN/CertegySM system will work with many popular credit card processing terminals and electronic cash registers (ECRs) to provide you a quick verification in as little as 8 to 10 seconds.

Benefits

• Up-to-date negative check writer data from the nation's largest databases
• Stop returned checks by screening out 75% of all bad check writers
• Contribute your known bad checks to negative databases to avoid repeat loss
• Save $2 in loss prevention for every $1 spent verifying checks
• Check verification is completed in as little as 8 seconds
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