Electronic Check Verification Services

How do you know whether a check you are taking is worth the paper it's printed on?

Chances are between the two largest U.S. based checking account verification services, Rocky Mountain Retail Services (RMRS) and / or Shared Check Authorization Network (SCAN^SM)  knows. And what they know, you'll know.

In seconds. RMRS and/or SCAN^SM will help you make a fast, accurate decision right on the spot about whether to accept your customer's check.

Every day, RMRS verifies checks for Merchants throughout the country with an extensive and daily updated negative history file database with over 14 million records.

Every day, more stores throughout the country trust SCAN^SM  than any other check verification service. The fact is, SCAN^SM  helps verify more than 2.9 billion checks annually for over 500 of the nation's most prominent retailers in more than 75,000 locations. Simply put, SCAN^SM is the most widely accessed check verification system in the world.

RMRS  and / or   SCAN^SM are everywhere.

RMRS and SCAN's success is based on participation from retailers, supermarkets and financial institutions around the country who share valuable information.

In addition to a massive negative list of bad check-writers on file, SCAN's database contains information about closed-for-cause checking accounts and lost or stolen checks from 80 percent of the nation's financial institution locations.

RMRS and / or  SCAN^SM Makes It Easy To Balance The Value Of A Good Customer Relationship With The Value Of A Customer.

Balancing your risk of taking a check with the risk of losing a good customer is something you face everyday. But you don't have to face it alone. RMRS and/or SCAN^SM gives you the assurance you need to help make sure your customer hasn't already written bad checks to other SCAN^SM members.

RMRS and SCAN^SM members report information electronically every night. When consumers make payments on their returned checks, that information is also electronically reported daily so you know when a customer is back in good standing. There's no sense in losing a perfectly good sale if you don't have to.

Spot trends. Identify areas that need attention. As a SCAN^SM  member, you receive regular reports and timely consultation from your SCAN^SM Account Executive. These reports pinpoint problems at the point of sale, in training, collections, and operations.

Monthly Non-Compliance Report identifies checks that were accepted while being on SCAN^SM  at the time of tender.

Quarterly Returned Check Analysis profiles eight specific areas such as check return time, collections, check series number and average returned check amount.

Annual Peer Ranking benchmarks your fraud prevention success with others in your industry.

SCAN^SM makes it fast and easy to contribute information to the network. We offer you several options:
Here are your choices:
    eMoney TM
    Secure Internet Transaction Platform

    SCAN PC
    PC compatible system for reporting returned items.

    Check Management System
    A UNIX-based multi-user system for retailers with high check volumes.

    Payment Management Technology
    An outsourcing solution for returned-item management

    Proprietary Host-to-Host Systems

SCAN^SM also offers enhanced information enabling both the MICR account number and the check writer's driver's license to be verified at the point of sale. This givesSCAN^SM members even more information about the potential for risk in accepting a check.

RMRS and SCAN^SM , the world's most trusted names in check verification.

Get a SCAN  Electronic Check Verification processing application downloaded now