Checkissuing Digital Check Solution

Sending digital checks instantly and electronically online has never been easier with the Checkissuing Digital Check Platform. With Checkissuing’s end-to-end Digital Check solution, payees can deposit their emailed Digital Checks in just a few seconds. No more trips to the bank. Payors only need to know the Payee’s Name, Email, and Dollar Amount (no bank account info needed). When you send digital checks, there are no material or postage costs, as they are sent through email.

Checkissuing’s simple solution to send digital checks is changing the way individuals and businesses send and receive payments.

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Solutions

SEND DIGITAL CHECKS ONLINE: EASE OF USE

A digital check can be instantly electronically deposited at the click of a button using a smartphones banks image capture app, or by printing and depositing the physical check at a local bank or ATM. All you need to send a digital check through email is your recipient’s email address, and our system will bypass spam filters to ensure they land in your recipient's mailbox.
Sending hundreds or thousands of digital checks electronically is done simply and instantaneously, all while being able to monitor in real-time receipt of payment via the Checkissuing dashboard or API.
The client user interface is as intuitive and simple as it gets. Checkissuing handles authentication using Plaid, a platform integrated with 15,000+ US Banks. All you need to do is to log into the Plaid dialogue box just like you would your bank’s webpage or app, fill out a few of the requested fields, and you are instantly setup or get sent micro-deposits into your bank account to confirm the next business day if you prefer.
While paper checks are among the most widely accepted payment methods currently available and preferred by many, the process of loading check stock into a printer, printing, signing, stuffing, stamping, and mailing them is less costly and inefficient compared to sending digital checks, which have zero hard costs to create and send, as well as a much better impact on the environment.

ONLINE DIGITAL CHECKS FEATURES

Digital checks are different than traditional checks since it works with bank accounts that may not be ACH enabled I.E. Money Market Accounts, and Small Banks/Credit Unions, for instance.
Need to send multiple digital checks electronically? Upload a CSV file with the name, email address, and amount for each recipient and hit send, or automate through the Checkissuing API, and those digital checks will be sent out through email. Send digital checks swiftly and with ease.
No Physical Address Required. Send digital checks online simply, with just an email address.
Recipients instantly receive their digital check through email, which can be deposited online, printed, or converted into a direct deposit. Checkissuings digital checks don’t require the recipient to register, signup, or download an app.
Use the Checkissuing API to automate a digital check solution that works best for you and your customers. Send digital checks seamlessly.

ONLINE DIGITAL CHECKS SECURITY

When you want to send digital checks electronically, safety and reliability are critical requirements. Checkissuing takes every measure to enforce the best security standards and practices. All sensitive data on our servers are encrypted and secured to ensure your customers’ information remains private, thanks to our state-of-the-art security systems that follow payment standards that are similar to those established by financial institutions across the country.
All digital check payment data is tokenized, movement of data is encrypted, and all data is stored encrypted at rest.
Clients can securely verify their bank accounts instantly using their online banking credentials. This information is tokenized using secure bank APIs, and at no time are banking login credentials stored anywhere on Checkissuings servers or systems.
Checkissuing performs regular Type I SOC II compliance audits, the gold standard of software-as-a-service data security. SOC reports aren’t legally mandated; they’re paid for at company expense and audited by a third CPA Firm.
Recipient security features include:
- SMS authentication code sent before the payment can be accessed.
- Password required before the payment can be accessed.

ONLINE DIGITAL CHECKS POSITIVE PAY PROTECTION

Positive Pay is a business process designed around coordinating with the client’s issuing bank in order to help prevent check fraud. It consists of a process to submit files to the bank that contain issued check information such as the check number, issue date, and amount. When the bank receives a digital check, the bank compares the data on the digital check to the information provided by the client. If the digital check information contains any discrepancies compared to the subject file, the digital check is set aside as an exception for the customer to review for accuracy.
This process prevents altered digital checks from being cashed just by using a stolen account number or a blank or “washed” check. It also prevents the payee from altering the digital check amount or other vital pieces of information. Whether you are sending out ten digital checks or 100,000 digital checks, your business will surely value the simple, straightforward process Checkissuing offers for efficiently and securely sending your digital checks out through email.
Automated or Manual Positive Pay File-Upload system- Checkissuing offers its clients a system that allows them to provide their bank's positive pay format to CI, and the system can automatically upload the files to the client's bank or make the positive pay file available for download so the user can upload it to their bank themselves.

SECURE ENCRYPTED ADMINISTRATION SYSTEM

Our administration system and/or API allow you to securely upload and process your bulk or single digital check payments, access reports, set permissions, and much more, all instantly through your mobile device, desktop, or tablet. From invoice processing and approval to scheduling payments to running reports, the dashboard offers the ability to process thousands of payments with just a few clicks. Digital checks are remitted in your chosen payment methods with no need to log in to additional portals.
Upload your CSV files online to be processed using our Secure EV-SSL 128-bit encrypted file upload system through our administration system or automatically through our modern API. With our robust security protocols, verified through our SOC Audit, you can rest assured that your financial information will not be compromised.

CHECKISSUING DIGITAL CHECK WHITE-LABEL SYSTEM

Checkissuing can customize and white-label the entire digital check customer experience, including:

Text in email
Email address
Portal domain
Check background image
Terms and Conditions text
# of times permitted to be downloaded.
Payment options

Customizing and branding the process the customer goes through to honor the digital check payment, strengthens your branding and prevents the potential of any traffic leaks.

TRACKING

Have full visibility on the following information in the form of timestamps:

When the digital echeck has been sent to the recipient.
When the echeck has been accepted by the recipients email provider.
The sections of the echeck that were accessed and/or downloaded.

As well as location information on the area the digital echeck was accessed from.

PLATFORM INTEGRATION, PAYMENT INNOVATION

Over 92% of businesses still prefer to pay vendors and suppliers by check, even though check fraud targets over 70% of businesses. Checkissuings online digital check solution lets your business customers go paperless, marrying all the familiarity of traditional business checks with the safety, speed, and security of modern payment technology—all from within one combined business solution, with no postage costs.

NEXT-GENERATION DIGITAL PAYMENT TECHNOLOGY

Checkissuing provides you with the safest, easiest, and fastest way to send a check—all you have to do is click “Send.” Your recipients digital echeck, is instantly delivered! Our digital echeck solution take everything you love about checks and combine it with the speed and ease of email.

We offer the perfect online payment solution for enterprise businesses that execute a large number of digital echecks each month:

Send hundreds, thousands or hundreds of thousands of digital/echeck payments in just seconds
Streamline processes, reduce costs and improve cash flow management
Integrate quickly and easily into your current processes using our full-featured API and Integration Support

For over 14 years, Checkissuing has been providing best-in-class payment solutions to both major and small businesses. digital echecks, are the next evolution, offering a combination of security, control, ease and flexibility unmatched by other popular payments methods.

Frequently Asked Questions

What is a Digital Check?

A digital check is a check sent electronically, which can be cashed the same way as standard checks, without the costs of USPS First-Class postage.

What are the benefits of using a Digital Check?

A few of the benefits of Digital Checks is that they can be sent instantly, without the costs of USPS First-Class postage.

How can I send a Digital Check?

A digital check can be sent online over email to the recipient, who can then cash it in an ATM, with a bank teller, or by using their banks image capture software on their smartphone.

How long does it take to deposit a Digital Check?

A digital check can be cashed at an ATM, with a bank teller, or by using a bank’s image capture software on a smartphone.

Why is a Digital Check better than a paper check?

Digital Checks are similar to paper checks, only they can be sent to the recipient instantly.

How are digital checks secured?

Digital Checks are similar to paper checks, only they can be sent to the recipient instantly.

Why choose Checkissuing Digital Check Solution?

Checkissuings Digital Check Solution is a secure, instant way to get a payment to your recipient at a low cost compared to paper checks.

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