TotalCHEK

By combing ReliaCHEK, AssureCHEK and Teledraft's own internal database of fraudulent account information the merchant has the most complete check verification system available today.

ReliaCHEK instantly establishes a direct connection to the payer’s financial institution in order to determine the condition of the account. Merlin can verify a variety of factors relative to the validity of the payment and its probability for success; the account is in the name of the payer and the account number provided is valid and correct, the account has available funds, is not closed nor overdrawn and has no NSF checks outstanding, is a demand account qualified to accept an ACH debit, has no recent stop payment order issued against it and more.

AssureCHEK queries the nation’s largest database of checking account activity consisting of over 22 million negative records and over 138 million positive records. The database indicates if the account has one or more outstanding NSF or unpaid items posted against it, whether that account has a positive or negative check writing history and whether a check has been presented more than once which is normally and indicator of attempted fraud.