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Frequently Asked Questions About PayByCheck

(Additional FAQs regarding ITI Services can be found here)

How do merchants and other businesses use PayByCheck?

Could I see an example of how to use PayByCheck?

How are funds deposited into our checking account?

Do I have to have a website to use or benefit from PayByCheck?

Is there a batch process for handling multiple transaction files?

How soon can I begin using my PayByCheck after I activate an account online?

I have several products with different prices. How does PayByCheck handle that?

Am I notified of each transaction?

Is there additional information available to end consumers?

Can I use the PayByCheck logos and banners?

What is verified with PayByCheck's verification process?

Does PayByCheck work internationally?

Does PayByCheck work with ATM/Debit cards, travelers checks, or money orders?

Can a merchant enter transaction information on behalf of end consumers?

Are the funds guaranteed?

How easy is it to make changes to my PayByCheck service?

How soon do I receive funds after a completed transaction?

How do merchants and other businesses use PayByCheck?
With PayByCheck, you will use the Internet to obtain and process verified check information from your consumers. All data is gathered and exchanged through secured connections. PayByCheck can be integrated by adding simple HTML links to your web site, or in conjunction with most popular shopping cart programs, or by integrating i-Check XML-based transaction processing into any custom program or application.

Could I see an example of how to use PayByCheck?
See our Sample Store.

How are funds deposited into our checking account?
PayByCheck offers two options for settlement of funds. The default is paper checks which are printed and mailed First Class to you every business day. You will then deliver these checks to your bank for traditional deposit. Postage is included in the per-transaction fee. Alternatively, business may apply for our ECP (Electronic Check Presentment) service which is a paper-less payment system and cleared funds are electronically deposited into your checking account using the ACH network.

Do I have to have a website to use or benefit from PayByCheck?
No. PayByCheck services, including our check verification services, are applicable to all businesses, Internet and brick-and-mortar alike. For example:

  • Your account can be used exclusively for accepting check payments by telephone or fax machine.

  • You can generate email invoices of your own and add a link to your check interface.


Is there a batch process for handling multiple transaction files?
Yes. PayByCheck transactions are easily handled in batch mode using the instructions found here.

How soon can I begin using my PayByCheck after I activate an account online?
Immediately! Just use the Link Maker Tool found in the Account Utilites to create HTML payment links to copy and paste into your website. Those knowledgeable of HTML can use our simple HTML linking instructions to create custom links and/or forms. Developers also see our PayByCheck Batch Service and our XML-based transaction processing for developing fully customized check payment solutions.

I have several products with different prices. How does PayByCheck handle that?
There are several methods to choose from. Since your PayByCheck is dynamic, you can control the dollar amount of each separate check or leave the amount field blank and require your customer to fill it in. PayByCheck also has an integrated shopping cart feature where your customers can simply add products until they are done shopping and then pay for all items at one time.

PayByCheck also works well with many of the popular shopping cart programs available today which will handle all the order specific information from your customers. You will be given the details regarding how to configure and control your PayByCheck account after activating an account. You should also see also our sample store for a demonstration of the basic setup.

Alternatively, your web sites and other networked systems can connect directly to ours via your current secure HTML templates, forms, and programs using our XML-based transaction processing platform. Complete customization using XML is easily achieved using any of the popular programming or scripting languages. This allows for complete control at your web site and your customer never leaves the site.

Am I notified of each transaction?
Only when using the check form on our servers a receipt / notice for each transaction is automatically emailed to you and your customer.

What is included on the Merchant notice?
Customer information includes NAME, ADDRESS, EMAIL, PHONE NUMBER, ITEM, MEMO, and AMOUNT. The date and time are included in the headers of the email receipt.

Is there additional information available to end consumers?
Yes. On the check interface there is a link for Step-by-step instructions to the consumer. You can also link to our customer information page which discusses security and privacy regarding customer data.

Can I use the PayByCheck logos and banners?
Yes, provided that they are not altered. The use of these banners is completely optional. Our banners and buttons are located here.

What is verified with PayByCheck's verification process?
PayByCheck's verification services include the use of multiple databases. The verification process includes ensuring that the bank routing and transit numbers are valid, that the checking account is not in the SCAN National Database, and that the telephone and address used are valid and correct. These verifications are set by the merchant in the Utilities area.

Funds within the account are not verified or guaranteed.

PayByCheck's AVS or Address Verification Service, is the only ecommerce address verification database built from multiple data sources.

PayByCheck is the exclusive Internet provider for the SCAN verification service.

Does PayByCheck work internationally?
No, not at this time. PayByCheck service works only with U.S. checking accounts and all transactions are denominated in U.S. dollars drawn and on U.S. banks.

Does PayByCheck work with ATM/Debit cards, travelers checks, or money orders?
No, not at this time.

Can a merchant enter transaction information on behalf of end consumers?
Yes. This is normally the method used when processing check payments made by telephone or fax machine.

Are the funds guaranteed?
PayByCheck transactions are real check transactions and therefore checks may be returned by your customer's bank for various reasons. However, if any of your PayByCheck paper drafts or ACH debits are ever returned for Non-Sufficient Funds, you would simply submit them to our RCK LockBox Service for electronic representment. In addition, once you have activated an your account with us, you can process any Non-Sufficient Funds checks with the CheckBack service regardless of the their original source.

How easy is it to make changes to my PayByCheck service?
Most service changes can be made using the ITI Utilities.

How soon do I receive funds after a completed transaction?
This depends on which delivery option you choose or qualify for. Accounts to be settled by paper check are processed and mailed every business day. Funds which settled via our Electronic Check Presentment use the ACH Network and are deposited 5 business days after origination.

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