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Check Cashing Technology Service

Our check cashing products offer retailers and banks full MSB compliance features as well as embedded Check 21 processing.

aggregate transactions

Trusted. Safe. Secure.

Providing check cashing solutions for more than 20 years.

Detect high risk activity

Fast. Easy. Scalable.

Simple, streamlined process. Turn-key solutions to meet every need. Whether a few stores or a few hundred, AllTrust can fit your needs.

Transaction Monitoring

Smart. Flexible. Custom.

Expert-based system. Standalone, multi-lane or multi-store configurations. Customizable decisioning engine.

Paycheck Secure

check cashing

The Paycheck Secure system mitigates check fraud and speeds up check cashing transactions with the option of using the latest in biometric fingerprint technology. With a proven record of preventing losses, our check cashing product offers retailers and banks full compliance features as well as embedded Check 21 processing. Our proprietary technology has over 9 million unique enrolled customers and has processed over 120 million transactions.

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Transaction Monitoring

Highlighted Features

National Negative Database.

Automatically verifies each transaction against our national database of bad check writers. With Paycheck Secure, you’ll have access to the negative data for over 9 million consumers in the network. If the customer has passed a bad check at your store — or in any of the 2,500+ locations in the Paycheck Secure network — the system will notify you before any money changes hands.

24/7 Online Reporting.

Manage all transaction data whenever, wherever you want. Paycheck Secure offers the ability to view the information you need on the web, including system totals, customer information, transaction information and maker information.

Database Backup.

Never lose your customer or transaction data with our automatic sync-to-server feature. All your valuable check cashing data is backed up automatically.

Counterfeit Check Warning.

The system analyzes the magnetic ink and identifies checks with low MICR levels for possible fraud.

Velocity Settings.

Enforce your store’s check cashing policies automatically – you set the limits. Set your own rules for fees, thresholds, overrides and more.

Returned Check Report.

View a returned check report with complete transaction history. Use Paycheck Secure’s returned check reports to recover bad checks. You’ll have the customer’s photo, fingerprints, contact information, photo ID, and full check cashing history right at your fingertips.

Check21 (Electronic Deposits)

Enjoy significant time savings, more secure transactions and faster access to funds. With direct to bank integrations, deposit money directly to hundreds of banks.

Compliance (OFAC Screening, CTR and SAR Reporting)

Automatically checks OFAC list. As part of the USA PATRIOT Act, money service businesses are now required to screen transactions against the Office of Foreign Assets Control (OFAC)’s list of Specially Designated Nationals (SDNs). Our Government Compliance Package makes it easy by automatically checking this list for you during every transaction. Electronically submit Currency Transactions Reports (CTRs) and Suspicious Activity Reports (SARs) directly to  FinCEN. Automatically receive email alerts when CTRs need to be filed. We protect your data for five years. All electronic reports filed with the government compliance package are archived in the Paycheck Secure system for auditing purposes for five years.

Maker Research (Account Lookup)

This service combines the nationwide Paycheck Secure network with multiple third-party databases to verify information on the maker (or check issuer) before you cash the check. Third-party databases look for any negative information reported on a particular maker (invalid account, NSF, account status, etc). The Paycheck Secure software analyzes maker history within the entire network (currently over 2,500 locations), for any negative information, including outstanding returns or bad account history. Based on the returned data, Paycheck Secure will provide you with a recommendation to Accept, Accept with Warning, or Decline the check.

"When I decided to add check cashing as a service to my store, I called Capital Compliance Experts. Their team walked me through the entire process from licensing to implementing a compliance program, and doing an independent review. There’s a lot to it, and I just didn’t have the time to do it myself. I was approved for an account, started cashing checks and business is booming."

Carlos Ruiz

Owner, Maria’s Fine Jewelry, Lemoore, CA

Key Benefits

  • Mitigate Check Fraud
  • Access to National Negative Database
  • 24/7 Online reporting
  • Automatic Database Backup
  • Counterfeit Check Warnings
  • Velocity Settings
  • Electronically Deposit Checks to your Bank
  • Compliance (OFAC Screening, CTR and SAR Reporting)
  • Maker Research (Account Lookup)
  • Returned Check Reports

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Detect high risk activity

SmartCheck

SmartCheck– is a web-based check cashing product that provides comprehensive back-office controls for risk management, transaction pricing, government compliance and second-level approvals. Standardized, numerically driven decisioning keeps the clerk focused on moving people through the line and providing excellent customer service. Built on the AllTrust Web Services (ATWS) platform, SmartCheck is frequently updated, can be private labeled and integrates value-added services from third-party providers. SmartCheck works with browsers from Google, Microsoft, Firefox and others and includes a hardware management utility that works with a variety of check readers, ID scanners, printers and other peripheral devices without the need for browser plug-ins. By leveraging the power and security of our cloud network, SmartCheck enables all of your stores to seamlessly share data and ensures protection from data loss.

  • Cloud-based – no local database
  • Strong administrative controls for large chains
  • Sophisticated risk-management rules engine
  • Flexible rules for setting fees
  • Built-in OCR (Optical character recognition) services for IDs and checks
  • Available add-ons: Check 21 Deposits, Check Guarantee, Review Center and Mobile
  • 200+ APIs available

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FISCA ACAMS MSBA FSCNY CAMS CFSP IMTC
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