Check Collections

Check Collection Services

When your customer presents a dishonored check, your bank forwards the returned check directly to American Payment Services. Our staff will then enter the check into our database and resubmits it electronically via the ACH network. If the check bounces again, we will then verify if the funds are available with the check writers bank for a final attempt to collect electronically. This process continues for as long as possible in order to collect. When the funds are retrieved, you receive 100% face value of the check and get paid promptly on collected & released funds.

"With American Payment Services' electronic check collection services, you can now focus on my core business and better serve my customers without any hassles!"

With American Payment Services check collection services, you will never have to spend your valuable time and money collecting dishonored checks. The best thing about our check collection services is there is absolutely no cost to you. The customer who bounced the check takes responsibility for the cost of collecting the funds, not you!

Collected and released checks are paid promptly
Checks are processed from any bank in the U.S. Federal Reserve
Banking System
Out-of-town checks are handled as easily as local checks
Works directly with customer's bank to settle funds
Works for any business, anywhere that accepts checks for payment

American Payment Services Check Collection Services Works!

Our electronic collection process is much faster and more convenient than any other method available, and it will work on any bank in the United States and its territories. And now, with American Payment Services check collection services, merchants are able to accept out-of-town checks without having to worry about the difficulties of collecting from out-of-town.

Benefits For You And Your Check Writing Customers! The level of customer service you provide at your business will improve because embarrassing face-to-face encounters with hot check writers will be eliminated. We handle our check collection tasks quietly. Our staff notifies your customer's bank of the ACH transaction and adds it to his or her statement. American Payment Services solves your difficult and sometimes unsuccessful NSF collection problems so you can focus on your core business.

American Payment Services will provide signage that clearly states a check writer's responsibility in order for your business to honor his or her check. We provide all the materials you need to get the program started right away. Your customers do not have to:

Bring you a money order or cashiers check
Face costly legal action
Answer uncomfortable phone calls
Go through the embarrassment

American Payment Services Check Collection Advantage

No Annual Fees
No Limit on Number of Checks
No Special Equipment Needed
No Long Term Contracts To Sign
Eliminates High Cost of Guarantee Services
Receive 100% Face Value of All Checks
Get Paid Promptly on Collected & Released Funds
NSF Funds Collected Electronically For Fast Recovery
Negative Database Verification
Monthly Status Reports