Certegy is a check risk management company that provides verification, guarantee and risk analytics to thousands of businesses that choose to accept checks as a form of payment for goods or services. Certegy pioneered the check risk management industry in the U.S., and has been providing services to businesses for more than 45 years.

Thousands of merchants (including big corporations and small companies) use Certegy to assist them in reducing the risks of accepting checks as a form of payment, as well as control losses. Although merchants are not required to accept checks as a form of payment for goods and services, many merchants do accept checks as a convenience to their customers. As a result of increased losses and rising occurrences of fraud, merchants use Certegy to assist them in risk management.

Clients who have given Certegy permission to share their location data are included on the Check Cashing Locations tab. Due to the large number of merchants that use Certegy's services, as well as merchants' requests for confidentiality, Certegy does not provide a listing of all merchants that utilize Certegy's services.

Certegy uses proprietary risk models for the decisioning process regarding the acceptance of checks. Certegy's risk models are based upon factors that closely model previous transactions that resulted in losses for our merchants. To know those factors would give anyone, including fraudulent and bad check writers, a way to bypass our system. For those reasons, even our employees are not privy to that information.

No, your credit score is not a factor in our risk models or any decision provided to merchants. Decisions are made based on information in Certegy's check writer database and a statistical analysis of your check compared to all checks that have gone through our system.

Depending on the specifics of your check transaction, we may attempt to verify funds with your financial institution. Our ability to contact financial institutions, though, is dependent upon the time of the transaction (i.e., during normal banking hours) as well as the financial institution's policy on disclosing account information to third parties. For privacy purposes, many financial institutions will only verify funds with other financial institutions or with the account holder.

Unfortunately, we cannot override the decision to decline acceptance of your check.

We cannot predict the outcome of your future check transactions. Every check transaction is unique and is subject to an approval process. Only 1.5 - 2.5% of the millions of check transactions we process each year result in a decision to a merchant to decline acceptance of a check.

You can request a copy of your file disclosure by clicking here and following the instructions provided.