Electronic Check Processing Services

Check Guarantee is the most commonly used check service allowing the merchant to ensure the face value of the check and protecting the merchant against checks written on non-sufficient funds (NSF). Merchants obtain electronic approval or voice authorization for the transaction and then deposit the checks. Checks that do not clear can be submitted to PayProTec Ohio for reimbursement. This reimbursement typically takes 2-4 weeks from the time of receipt of the original item and is processed electronically via the ACH. It is sent under a specific category, so the merchant can identify that the credit is for a bounced item.