Last updated: September 1, 2021

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Best
Top 30 Check Processing Companies

Best Electronic Check Processing Services - September 2021

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Competitive Rates

Reliability

Reliability

Efficiency

Efficiency

Variance

Variance

Customer Support

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Seamless Chex Seamless Chex
Talk to a Representative: 888-998-2439
Key Facts For Seamless Chex
  • Major Clients:
    Available upon request.
  • Year Founded:
    2012
  • Fulltime Employees:
    25
  • Active Clients:
    2500+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    97
  • Pricing:
    M
  • Website:
    seamlesschex.com
Request A Quote
Negative Review 0 Reviews
Anonymous
Negative Review
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 616-275-5306
Key Facts For Credit Card Processing Sp...
  • Major Clients:
    Main Street Technologies, Advance Auto Par...
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.creditcardprocessingspecialists.com
Request A Quote
Positive0% Write Review

 

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Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

PAYARC PAYARC
Talk to a Representative: (877) 203-6624
Key Facts For PAYARC
  • Major Clients:
    Confidential
  • Year Founded:
    2016
  • Fulltime Employees:
    43
  • Active Clients:
    10,000
  • Revenue:
    30m-50m
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.payarc.com
Request A Quote
Reviews (12)
Positive Review 12 Reviews
Best in Class Support + Transparent Competitive Pricing = Very Happy Merchants
When we started PayArc we saw a huge opportun...
Jared Ronski
Positive Review
Excellent processing solution.
The overall experience has been great. Have a...
David Broudie
Positive Review
Great team and top-tier technology!
Overall, great company values, excellent serv...
Nicol Krasni

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

EXS Credit Card Processing EXS Credit Card Processing
Talk to a Representative: (877) 865-7744
Key Facts For EXS Credit Card Processin...
  • Major Clients:
    Available upon request.
  • Year Founded:
    1997
  • Fulltime Employees:
    10
  • Active Clients:
    77
  • Revenue:
    $6 Million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.exscreditcardprocessing.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Central Bank
Talk to a Representative: 801-375-1000
Key Facts For Central Bank
  • Major Clients:
    Confidential
  • Year Founded:
    2015
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    20+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    86
  • Pricing:
    M
  • Website:
    www.centralbankutah.com
Request A Quote
Reviews (50)
Positive Review 50 Reviews
Great customer service and awesome tellers! I...
tyler stanley
Positive Review
Great, friendly service from a knowledgeable,...
Claire Taylor
Positive Review
My wife, daughter and myself stopped in to me...
Jonathan Farris

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

DEPOSIT CHECKS, Inc. DEPOSIT CHECKS, Inc.
Talk to a Representative: 866-927-7180
Key Facts For DEPOSIT CHECKS, Inc.
  • Major Clients:
    Confidential
  • Year Founded:
    1999
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    49+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.depositchecks.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Xenex Payment Systems Xenex Payment Systems
Talk to a Representative: 888-918-4409
Key Facts For Xenex Payment Systems
  • Major Clients:
    Merchants Capital Access , NMI , eProcessi...
  • Year Founded:
    1993
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    92
  • Pricing:
    M
  • Website:
    xenexpayments.com
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Positive 66.7% 4 Reviews
I use xenex credit card processing for my kit...
Seth Adi
Positive
My favorite part about working with xenex is...
yotam dahan
Negative 33.3% 2 Reviews
Where to begin... let's start off with run as...
sal p

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Bluepay Processing, LLC Bluepay Processing, LLC
Talk to a Representative: 855-375-3893
Key Facts For Bluepay Processing, LLC
  • Major Clients:
    DICE Corporation, Arizona Dental Associati...
  • Year Founded:
    2002
  • Fulltime Employees:
    250 - 500
  • Active Clients:
    54
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    www.bluepay.com
Request A Quote
Negative Review 1 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Electronic Payment Exchange Electronic Payment Exchange
Talk to a Representative: 866-581-5256
Key Facts For Electronic Payment Exchan...
  • Major Clients:
    Available upon request.
  • Year Founded:
    1979
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    34+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    95
  • Pricing:
    M
  • Website:
    epx.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Check Processors, Inc.
Talk to a Representative: 800-691-7638
Key Facts For Check Processors, Inc.
  • Major Clients:
    Confidential.
  • Year Founded:
    1986
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    90
  • Pricing:
    M
  • Website:
    www.checkprocessors.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Online Check and ACH Processing Online Check and ACH Processing
Talk to a Representative: 800-427-1450
Key Facts For Online Check and ACH Proc...
  • Major Clients:
    Barista Coffee, The Beach of AZ, Minor Fam...
  • Year Founded:
    1997
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.onlinecheck.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

12
2009
$1 million - $5 million
10 - 50
26+
90
L
Marquis Wine Cellars, The Cross Decor & Design, Baby’s World, Boutique Belles Amies, B.B. Blue, Baby’S World
97
98
96
95
98
96.8%
NC
Pacific Amber Technologies, Inc. Pacific Amber Technologies, Inc.
Talk to a Representative: 604-457-3000
Service Offerings:
Key Facts For Pacific Amber Technologie...
  • Major Clients:
    Marquis Wine Cellars, The Cross Decor & De...
  • Year Founded:
    2009
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    26+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.amberpos.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Advanced Merchant Advanced Merchant
Talk to a Representative: 877-997-9473
Key Facts For Advanced Merchant
  • Major Clients:
    Available upon request.
  • Year Founded:
    2001
  • Fulltime Employees:
    250 - 500
  • Active Clients:
    300+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    97
  • Pricing:
    L
  • Website:
    www.advancedmerchantgroup.com
Request A Quote
Negative Review 1 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Inchek L L C Inchek L L C
Talk to a Representative: 888-661-0833
Key Facts For Inchek L L C
  • Major Clients:
    Confidential.
  • Year Founded:
    2000
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    126
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    93
  • Pricing:
    L
  • Website:
    inchek.net
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Leap Payments, Inc. Leap Payments, Inc.
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments, Inc.
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Direct...
  • Year Founded:
    2005
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.leappayments.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

iTransact, Inc. iTransact, Inc.
Talk to a Representative: 801-298-1212
Key Facts For iTransact, Inc.
  • Major Clients:
    Zions Bank, Productivity Solutions, Inc.,...
  • Year Founded:
    1994
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    98
  • Pricing:
    L
  • Website:
    www.itransact.com
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Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

MersaTech MersaTech
Talk to a Representative: 866-777-7409
Key Facts For MersaTech
  • Major Clients:
    Confidential.
  • Year Founded:
    2003
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    10,000 plus
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    98
  • Pricing:
    L
  • Website:
    www.mersatech.com
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Positive 66.7% 6 Reviews
Very detailed with the information. We recei...
DJ NINJAYT
Positive
The best company to work with for credit card...
Versa Business Tips
Negative 33.3% 3 Reviews
In my opinion Mersatech is the worst merchant...
Karma

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BankCard USA BankCard USA
Talk to a Representative: 1 800-589-8200
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, Lu...
  • Year Founded:
    1998
  • Fulltime Employees:
    44
  • Active Clients:
    20,000+
  • Revenue:
    30-50M
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
Request A Quote
Negative Review 0 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Systar, Inc. Systar, Inc.
Talk to a Representative: 703-556-8400
Key Facts For Systar, Inc.
  • Major Clients:
    Groupama, Groupe AREVA, Air France, Coca C...
  • Year Founded:
    1983
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    92
  • Pricing:
    L
  • Website:
    www.systar.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Adaptive Payments Adaptive Payments
Talk to a Representative: 1 954-756-1603
Service Offerings:
Key Facts For Adaptive Payments
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    12
  • Active Clients:
    128
  • Revenue:
    6.4M
  • Client Retention Rate:
    93
  • Pricing:
    L
  • Website:
    www.adaptivepayments.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

21
1999
$1 million - $5 million
10 - 50
65
91
M
John Hancock , MetLife , Omni Hotels & Resorts , United Way , Benjamin Moore Paints, John Hancock, Metlife, Omni Hotels & Resorts
96
96
95
93
94
94.8%
NC
Treasury Software Treasury Software
Talk to a Representative: 866-226-5732
Key Facts For Treasury Software
  • Major Clients:
    John Hancock , MetLife , Omni Hotels & Res...
  • Year Founded:
    1999
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    65
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.treasurysoftware.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Electronic Verification Systems Electronic Verification Systems
Talk to a Representative: 866-491-5665
Key Facts For Electronic Verification S...
  • Major Clients:
    Available upon request., Autotrek, 4Stop,...
  • Year Founded:
    1999
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    32+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    86
  • Pricing:
    L
  • Website:
    www.electronicverificationsystems.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

23
1991
$4.4 Million
27
53
89
L
KC Companies, Woodbine Development Corp., Caiman Energy, R&O Construction, SLC Kustoms, Kc Companies
95
94
95
93
93
94%
NC
Piracle Piracle
Talk to a Representative:
Key Facts For Piracle
  • Major Clients:
    KC Companies, Woodbine Development Corp.,...
  • Year Founded:
    1991
  • Fulltime Employees:
    27
  • Active Clients:
    53
  • Revenue:
    $4.4 Million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.piracle.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Prolific Business Prolific Business
Talk to a Representative: 877-777-7149
Key Facts For Prolific Business
  • Major Clients:
    ELFA, Precision Payroll, WD
  • Year Founded:
    2005
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    300+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    93
  • Pricing:
    H
  • Website:
    www.myprolific.com
Request A Quote
Reviews (23)
Positive 69.6% 16 Reviews
James is a great guy, always looking for ways...
peter leonardo
Negative 26.1% 6 Reviews
Shady business practices, putting large trans...
Mike Carlborg
Neutral 4.3% 1 Reviews
I had been using their credit card processing...
Gerrod Walker

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

ACH Direct, Inc. ACH Direct, Inc.
Talk to a Representative: 866-378-0001
Key Facts For ACH Direct, Inc.
  • Major Clients:
    La Fitness, Virgin, Jackon Hewitt, Progess...
  • Year Founded:
    1998
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    54
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    achdirect.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

26
2000
$5 million - $10 million
10 - 50
100+
91
M
Bank of America, Avionté Staffing Software, BMSI software, ikaSystems, Bank Of America, Bmsi Software
95
93
91
93
94
93.2%
NC
AP Technology AP Technology
Talk to a Representative: 800-652-2877
Key Facts For AP Technology
  • Major Clients:
    Bank of America, Avionté Staffing Software...
  • Year Founded:
    2000
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.aptechnology.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

27
2006
$10 million - $50 million
100 - 250
100+
90
L
Seth L. Goldner, P.C., Multiflor, Hosto & Buchan, Brain Paint Inc., Weber Olcese, Ourhelix, Seth L. Goldner, P.C, Brain Paint Inc
93
93
93
93
93
93%
NC
PaySimple, Inc PaySimple, Inc
Talk to a Representative: 1 (800) 466-0992
Key Facts For PaySimple, Inc
  • Major Clients:
    Seth L. Goldner, P.C., Multiflor, Hosto &...
  • Year Founded:
    2006
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.paysimple.com
Request A Quote
Reviews (22)
Positive 68.2% 15 Reviews
I've never had an issue with PaySimple. We've...
Aaron
Negative 27.3% 6 Reviews
These folks are 100% scam artists! Here is wh...
Brock Mccarty
Neutral 4.5% 1 Reviews
seems more expensive
this company appears more on the expensive si...
John

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Electronic Merchant Systems Electronic Merchant Systems
Talk to a Representative: 866-845-6026
Key Facts For Electronic Merchant Syste...
  • Major Clients:
    Available upon request.
  • Year Founded:
    1987
  • Fulltime Employees:
    58
  • Active Clients:
    500+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    94
  • Pricing:
    L
  • Website:
    emsagent.com
Request A Quote
Reviews (58)
Positive 86.2% 50 Reviews
Always friendly AND helpful. Thnx!!
Ronny Owens
Negative 12.1% 7 Reviews
If you have any issues with the card reader o...
Amy Landolt
Neutral 1.7% 1 Reviews
I want to post an update that I appreciated b...
Angela Daczko

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Retail Lockbox Retail Lockbox
Talk to a Representative: 206-624-2871
Key Facts For Retail Lockbox
  • Major Clients:
    Confidential.
  • Year Founded:
    1994
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    100+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    89
  • Pricing:
    L
  • Website:
    www.retaillockbox.com
Request A Quote
Negative Review 0 Reviews
Anonymous

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Banc Card Of America Banc Card Of America
Talk to a Representative: 615-352-6956
Key Facts For Banc Card Of America
  • Major Clients:
    Confidential.
  • Year Founded:
    1997
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    59
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    91
  • Pricing:
    M
  • Website:
    www.banccard.com
Request A Quote
Positive 75.0% 3 Reviews
Works great!
Trustworthy and really really worth the effo...
Christopher Mykiway
Positive
Awesome
LorrieAnn Neace
Negative 25.0% 1 Reviews
Jennifer Peircen, was not interested in corre...
Jim Obringer

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Evaluation Criteria: Best Electronic Check Processing Services
Competitive Rates
Competitive Rates
For companies offering check processing services we spend time analyzing the different rates offered to merchants based on the number of checks the accept on a monthly basis, the sum of the checks received in value, and the average value of the checks being received. It is important for merchants to select a payment processor which provides them a competitive rate based on their individual needs and requirements.
Reliability
Reliability
For many businesses it is important to know that their payment processor is reliable. Reliability is measured based on a processor’s historical performance in ensuring check payments are accepted and processed in a fair amount of time. If a payment processor has a pattern of losing payments or does not have a process in place to ensure every check is being handled properly, it can cause problems for their merchants.
Efficiency
Efficiency
Another crucial area of our analysis delves into the efficiency of the internal processes for accepting and processing check payments. We delve into the strategies which check processing companies use in order to accept checks on behalf of their merchants and process the payments in a reasonable amount of time. It is important for these processes to be efficient to reduce the amount of human intervention required.
Variance
Variance
During our analysis we also ensure the companies offering the check processing services have a number of different packages and arrangements for their merchants to ensure the solution they provide is best fit for their merchants. Having a variety of offerings for merchants as well as additional services can ensure that merchants will be able to adequately accept payments from their customers when conducting business.
Customer Support
Customer Support
The customer support component of our analysis focuses on the professionals involved in assisting merchants in accepting their payments or resolving issues with the payment process. It is important for payment processors to invest in quality customer support in order to ensure that issues are being addressed in the most appropriate manner and to promote a positive channel of communication with their merchants.
 
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