ID and Check Verification Services

ID and Check Verification Services

Verification Services Protect Your Business

Check verification and ID verification are two inexpensive methods that help protect you from chargebacks, fraud, or high return rates. The services are used by low and high risk merchants.

Identity verification services are used in conjunction with both echeck and card payment processing accounts.  ID verification confirms that customers are actually who they represent themselves to be.

Check verification is used for electronic check. Check 21 and ACH echeck payments. Use of electronic check verification services reduces returned transactions.  Saving you money on payment processing while protecting your echeck account.  

Check Verification for Echecks

Check verification services use extensive searches of public and private databases to gather information on the owner of the bank account from which funds are being debited. Verifying that routing and account numbers are entered correctly is included in all verification products.

It is easy for a buyer to enter account numbers incorrectly online or for a customer service rep to make an error with a check by phone payment. Account verification money saves money on returned transactions by making sure upfront that the account numbers are valid.

Electronic check verification services also check the history on the bank account. The data shows whether or not there is a history of bad check writing on the account, allowing you to eliminate some risk.

Check verification can be used to check the history on a bank account. It confirms if the account is open, is in good standing and if there is a history of bad checks being written on the account.

Check verification services can also confirm if there is money in a bank account. However, only about 60% of US banks release this information.

Even if there is money in the account, you don’t know if there is enough to cover a transaction. And funds are not “frozen” to cover a particular transaction as is the case in card processing.

Identity Verification

Identify verification is used by companies in many industries. For example, companies selling high ticket items find it helpful to verify the identity of the consumer before fulfilling the order. Financial services firms often use ID verification for online orders.

Companies in some industries are required to verify the identity or age of a buyer. Adult entertainment, ecigarettes, and fantasy sports businesses are some common businesses that benefit from ID and age verification services.

Using a wide variety of public and private databases, ID verification decreases risk by confirming that customers are really the people they claim to be. There is a wide range of services included in identity verification. Merchants can use all or part of the services.

You can chose to match the last 4 numbers of a social security number, driver’s license numbers, birth and death records, phone numbers, addresses, and a wide variety of other data pulled from public records.

For most businesses, confirming the last four numbers of social security or driver license information gives enough verification to move forward with the purchase. Keep in mind, that the more information you ask for at checkout, the greater the chance of shopping cart abandonment.


Versification services are an inexpensive yet highly effective means of safeguarding your business.

Check verification services lower your processing fees by reducing the number of returned items. Identity verification helps prevent fraud by confirming buyers are who they represent themselves to be.  

Are you interested in protecting your business with check verification and ID verification services?  

Contact today.


Get More Orders with Check Verification

Verify to Reduce Risk & Boost Sales

As beneficial as echecks  are to online merchants, increasing sales up to 20%, merchants still have some concern about the payment option.

Echecks are one of the safest methods to accept payments methods for ecommerce merchants.  The ACH processing network is the oldest, largest and most dependable payment processing system in the US.  Secure processing includes encryption, authentication, digital signatures, certificate authority, detection of duplicates, and a wide range of other data points to safeguard you & your customers.  

One concern expressed by merchants is that electronic checks are still not real time as credit cards are. This will change in October, 2017.  At that time, same day ACH echeck processing will be available.  

Until then, it will still take you at least a day to know whether or not the transactions cleared.  For this reason, most online merchants wait at least a few days to ship products paid for by echecks.   Companies that offer immediate delivery of products, such as digital downloads, often simply fulfill the order at time of purchase since digital products have much lower costs than physical goods.

Verification & authentication services reduce risk while increasing orders.   The services are inexpensive & easy to implement.  And are highly effective to decrease returns & revoked transactions.

Account Verification for Echecks

Using a wide array of databases, check verification services compiles information on the account before the order is submitted for processing. The transaction is verified for correct routing /account numbers, verifies the account is in good standing, and checks to see if any bad checks have been written on the account.  

Still, the most common reason for a return is that there is not enough money to cover the amount of the transaction.  You can resubmit transactions for non-sufficient funds NSF) up to 2 more times.  More than o 85% of all NSF transactions clear when resubmitted again.


Identity Verification Services

Companies that sell high ticket items often verify the identity of the buyer before fulfilling the order.  ID verification reduces risk by confirming that the buyer is indeed who he represents himself to be.

Our all-inclusive service lets you decide how you would like to verify ID.  Common checks include matching

  • last 4 numbers of a social security number
  • driver’s license number
  • birth and death records
  • phone number
  • addresses

Some companies  ask a series of questions drawn from public records.  These may or may not perform well for you.  Sometimes public records are not accurate.  And the more questions you ask, the greater likelihood that buyers will get frustrated  & leave the site without completing the purchase.  


 ID verification and check verification saves you money and decrease your risk for fraud.

Check verification saves you money on returned transactions.  By confirming that an account is open and in good standing, you keep your returns low.  

ID verification confirms that customers are really who they claims to be. Which substantially decreases your risk for fraudulent transactions.  

Are you interested in lowering your processing expenses while protecting your business?  

Contact today.