The combined MyECheck SPS solution enables MyECheck merchants to ship the same day with confidence that they will be paid, even if their customer’s check bounces. Check authorization is offered with or without check guarantee. In less than one second, Secure Payment Systems authorizes checks from its database of millions of records, accessing both local and national negative files of unpaid checks, along with other proprietary verification services.
Secure Payment Systems profiles the transaction using proprietary shopping pattern algorithms and continuously updates this database with check writing histories. The database also incorporates a positive file of good check writers, so MyECheck merchants don’t lose sales due to customer high check writing activity. With the guarantee service the authorized checks that bounce are reimbursed to MyECheck merchants in full within 14 days.
Financial Verification Services
Prior to authorizing a transaction, MyECheck can verify the status of the customers bank account and determine if the customer is a recent check bouncer.
Identity Validation Services
MyECheck offers 3 levels of identity verification including a high assurance ID validation.
Collections and Guarantee
Fully integrated collections at no additional charge, and payment guarantee available. | 
