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Last updated: February 1, 2019

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Best

Top 30 Check Processing Companies

Best Electronic Check Processing Services - February 2019

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

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100
 
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E
 

Change in Rank

ACH Direct ACH Direct
Talk to a Representative: 866-290-5400
Key Facts For ACH Direct
  • Major Clients:
    La Fitness, Virgin, Jackon Hewitt, Proge..
  • Year Founded:
    1998
  • Fulltime Employees:
    14
  • Active Clients:
    54
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    88%
  • Pricing:
    L
  • Website:
    achdirect.com
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 877-554-5853
Key Facts For Credit Card Processing Specialists
  • Major Clients:
    Main Street Technologies, Advance Auto P..
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98%
  • Pricing:
    M
  • Website:
    creditcardprocessingspecialists.com
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Competitive Rates

Reliability

Efficiency

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Customer Support

BankCard USA BankCard USA
Talk to a Representative: 800-735-4171
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, ..
  • Year Founded:
    1998
  • Fulltime Employees:
    332
  • Active Clients:
    20,000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    96%
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
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Reviews (1)
Positive Review 1 Reviews
GREAT COMPANY
I have been looking for a medium to share an idea i have for your company. With this idea of mine your company would generate enough revenue and a massive number of sales. i hope your company and the board would be interested in this…
shola kelly tolufashe

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 Systems
  • Major Clients:
    Available upon request.
  • Year Founded:
    2009
  • Fulltime Employees:
    14
  • Active Clients:
    32+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    86%
  • Pricing:
    L
  • Website:
    electronicverificationsystems.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

OnlineCheck.com OnlineCheck.com
Talk to a Representative: 800-427-1450
Key Facts For OnlineCheck.com
  • Major Clients:
    Barista Coffee, The Beach of AZ, Minor F..
  • Year Founded:
    1999
  • Fulltime Employees:
    29
  • Active Clients:
    100+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.onlinecheck.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Deposit Checks Deposit Checks
Talk to a Representative: 866-927-7180
Key Facts For Deposit Checks
  • Major Clients:
    Confidential
  • Year Founded:
    1999
  • Fulltime Employees:
    20
  • Active Clients:
    49+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    www.depositchecks.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

GDpay GDpay
Talk to a Representative: 888-600-2602
Key Facts For GDpay
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    17
  • Active Clients:
    77
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    86%
  • Pricing:
    L
  • Website:
    www.gdpay.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

MersaTech MersaTech
Talk to a Representative: 303-268-5505
Key Facts For MersaTech
  • Major Clients:
    Confidential.
  • Year Founded:
    2003
  • Fulltime Employees:
    27
  • Active Clients:
    10,000 plus
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    www.mersatech.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Piracle Piracle
Talk to a Representative: 801-322-5222
Key Facts For Piracle
  • Major Clients:
    KC Companies, Woodbine Development Corp...
  • Year Founded:
    1991
  • Fulltime Employees:
    27
  • Active Clients:
    53
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    www.piracle.com
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Reviews (0)
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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 Systems
  • 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
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Reviews (0)
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Competitive Rates

Reliability

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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:
    65
  • Active Clients:
    100+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    90%
  • Pricing:
    M
  • Website:
    checkprocessors.com
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Reliability

Efficiency

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Customer Support

12
2009
$250,000 - $1 million
25
26+
90%
L
Marquis Wine Cellars, The Cross Decor & Design, Baby’s World, Boutique Belles Amies, B.B. Blue
97
98
97
95
97
96.8%
NC
AmberPOS AmberPOS
Talk to a Representative: 604-457-3000
Key Facts For AmberPOS
  • Major Clients:
    Marquis Wine Cellars, The Cross Decor & ..
  • Year Founded:
    2009
  • Fulltime Employees:
    25
  • Active Clients:
    26+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.amberpos.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Axway Axway
Talk to a Representative: 703-556-8400
Key Facts For Axway
  • Major Clients:
    Groupama, Groupe AREVA, Air France, Coca..
  • Year Founded:
    1983
  • Fulltime Employees:
    54
  • Active Clients:
    100+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    92%
  • Pricing:
    L
  • Website:
    www.systar.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

EPX EPX
Talk to a Representative: 302-288-0600
Key Facts For EPX
  • Major Clients:
    Available upon request.
  • Year Founded:
    1979
  • Fulltime Employees:
    27
  • Active Clients:
    34+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    95%
  • Pricing:
    M
  • Website:
    epx.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Xenex Merchant Services Xenex Merchant Services
Talk to a Representative: 888-918-4409
Key Facts For Xenex Merchant Services
  • Major Clients:
    Merchants Capital Access , NMI , eProces..
  • Year Founded:
    2006
  • Fulltime Employees:
    17
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    92%
  • Pricing:
    M
  • Website:
    xenexpayments.com
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Reviews (0)
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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:
    25
  • Active Clients:
    59
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.banccard.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

InChek InChek
Talk to a Representative: 888-661-0833
Key Facts For InChek
  • Major Clients:
    Confidential.
  • Year Founded:
    2003
  • Fulltime Employees:
    13
  • Active Clients:
    126
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    93%
  • Pricing:
    L
  • Website:
    inchek.net
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

iTransact iTransact
Talk to a Representative: 801-298-1212
Key Facts For iTransact
  • Major Clients:
    Zions Bank, Productivity Solutions, Inc...
  • Year Founded:
    1994
  • Fulltime Employees:
    37
  • Active Clients:
    100+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    www.itransact.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Central Bank
Talk to a Representative: +1 801-375-1000
Key Facts For Central Bank
  • Major Clients:
  • Year Founded:
    2015
  • Fulltime Employees:
    15+
  • Active Clients:
    20+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    86%
  • Pricing:
    M
  • Website:
    centralbankutah.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Advanced Merchant Group Advanced Merchant Group
Talk to a Representative: 877-997-9473
Key Facts For Advanced Merchant Group
  • Major Clients:
    Available upon request.
  • Year Founded:
    2001
  • Fulltime Employees:
    64
  • Active Clients:
    300+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    97%
  • Pricing:
    L
  • Website:
    advancedmerchantgroup.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Treasury Software Corporation Treasury Software Corporation
Talk to a Representative: 866-226-5732
Key Facts For Treasury Software Corporation
  • Major Clients:
    John Hancock , MetLife , Omni Hotels & R..
  • Year Founded:
    1999
  • Fulltime Employees:
    28
  • Active Clients:
    65
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    treasurysoftware.com
Request A Quote
Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Prolific Business Solutions Prolific Business Solutions
Talk to a Representative: 877-777-7149
Key Facts For Prolific Business Solutions
  • Major Clients:
    ELFA, Precision Payroll, WD
  • Year Founded:
    2005
  • Fulltime Employees:
    58
  • Active Clients:
    300+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    93%
  • Pricing:
    H
  • Website:
    www.myprolific.com
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Reviews (0)
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Reliability

Efficiency

Variance

Customer Support

Adaptive Payments Adaptive Payments
Talk to a Representative: 954-756-1603
Key Facts For Adaptive Payments
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    32
  • Active Clients:
    128
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    93%
  • Pricing:
    L
  • Website:
    adaptivepayments.com
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Reviews (0)
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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:
    13
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    www.retaillockbox.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Azura Leasing Azura Leasing
Talk to a Representative: 888-424-7142
Key Facts For Azura Leasing
  • Major Clients:
    Confidential.
  • Year Founded:
    2009
  • Fulltime Employees:
    167
  • Active Clients:
    350
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    www.azuraleasing.com
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Reviews (0)
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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 Processing
  • Major Clients:
    Available upon request.
  • Year Founded:
    2008
  • Fulltime Employees:
    26
  • Active Clients:
    77
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    89%
  • Pricing:
    L
  • Website:
    exscreditcardprocessing.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

Leap Payments Leap Payments
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Dire..
  • Year Founded:
    2007
  • Fulltime Employees:
    35
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    99%
  • Pricing:
    L
  • Website:
    www.leappayments.com
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Reviews (0)
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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

AP Technology AP Technology
Talk to a Representative: 800-652-2877
Key Facts For AP Technology
  • Major Clients:
    Bank of America, Avionté Staffing Softw..
  • Year Founded:
    2000
  • Fulltime Employees:
    15
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    91%
  • Pricing:
    M
  • Website:
    www.aptechnology.com
Request A Quote
Reviews (0)
Positive 0% Write Review

 

Negative 0% Write Review

 

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Competitive Rates

Reliability

Efficiency

Variance

Customer Support

PaySimple PaySimple
Talk to a Representative: 800-466-0992
Key Facts For PaySimple
  • Major Clients:
    Seth L. Goldner, P.C., Multiflor, Hosto ..
  • Year Founded:
    2005
  • Fulltime Employees:
    342
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.paysimple.com
Request A Quote
Reviews (1)
Neutral Review 1 Reviews
seems more expensive
this company appears more on the expensive side
John

Competitive Rates

Reliability

Efficiency

Variance

Customer Support

BluePay Processing BluePay Processing
Talk to a Representative: 630-300-2391
Key Facts For BluePay Processing
  • Major Clients:
    DICE Corporation, Arizona Dental Associa..
  • Year Founded:
    2002
  • Fulltime Employees:
    36
  • Active Clients:
    54
  • Revenue:
    Under $250,000
  • Client Retention Rate:
    88%
  • Pricing:
    L
  • Website:
    www.bluepay.com
Request A Quote
Reviews (0)
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Competitive Rates

Reliability

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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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