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Certegy Check Services: What Is It, Why My Check Is Denied and What Can I Do

what is Certegy check services

If you don’t like to carry a large amount of money with you, then a credit card is not the only way to pay for your purchases. Checks have not lost their popularity. And if you have a checkbook or are planning to do it, then it will be very interesting for you to know what will be discussed today. After analyzing reviews on the Internet, we concluded that not all retail stores accept checks as payment. Are there so many scammers trying to pay for a purchase with a fake check? This is not even the point. Each store partners with a company that has the power to approve or reject checks. And today we will talk about one of these. Why do Certegy check services reject a check if you have money in your account? Let’s figure it out!

What is Certegy check services and how does it work?

This is one of the companies that are responsible for the risk analysis of checks. Many stores (Dollar General, Costco, Walmart, etc), partner with the company for verification. A special machine is installed in the store, and when you issue a check, the seller scans it with that machine. Certegy check services Inc. has the credibility and trust of entrepreneurs since it has been on the market for over 45 years. The verification algorithm is not made public, otherwise, it will be easy for fraudsters to bypass the verification system. However, we can say with confidence that while your check is being scanned, all your past transactions are checked. And if one of them seems suspicious, this is already a reason to refuse to accept your check.

Certegy card services do not accept checks

Certegy check services

Knowing the reasons for the failure can help fix the problem so that this does not happen again in the future. And although Certegy does not reveal all its secrets, the main reasons can be assumed. They will be described below.

You are not in the database

First of all, your previous purchases are analyzed. If you rarely use your checkbook, or if this is your first check, then difficulties can arise. How to prevent it? Small purchases will help you create a positive profile and soon, even purchases from $ 1000 will not raise doubts about your ability to pay.

You have debts

Not only check transactions can be verified but your credit history in general. It depends on the specifics of the purchase and the amount. The Certegy check cashing limit can be set for large purchases if it turns out that you have debts or closed accounts with a minus. Then the seller will have every reason to reject the check payment and ask for another method of payment.

Invalid data for verification

It is impossible to exclude the possibility of human error. The cashier can enter the wrong data, make a mistake by one number or letter. And your check will already be marked as risky. Therefore, always ask to double-check your check. Especially if you are sure that there are no reasons for refusal. According to the Certegy check services customer service, it is a common mistake.

Problems with Certegy check cashing in the past

If there was a case when there was not enough money in your account, and you wrote a check and it did not recognize it as a risk. Do not be surprised if the next time everything is all right, you will be refused. Certegy will not want to undermine its credibility again, so it will be extremely difficult to convince them otherwise in the future. Also, if you have been involved with a history of fraud, your check will be considered at increased risk. This condition is not entirely fair, since you could be a victim. However, these are the terms of the company. You may not use Certegy check cashing locations but rather more loyal verification methods.

Certegy check verification services

The misconception is that check-checking companies only protect those to whom the check is written. You will also be protected. How? The cashier’s ID must match the name on the check. This will help prevent unauthorized persons from cashing the check. That is, your check may not be rejected because of your financial history. It is also checked whether the provided check is from the bank where you have an account. If your checkbook is tried to be tampered with, it will be detected. Certegy check cashing locations are all over the USA. So, it is not a problem to find.

The list of Certegy check cashing stores:

  • Check ’n Go;
  • Money Mart;
  • Costco;
  • King Soopers;
  • Publix;
  • Safeway;
  • Shaw’s;
  • Dollar General;
  • Target;
  • Walmart (a few locations use another system);
  • Best Buy;
  • Staples.

Non-Certegy check cashing

Certegy card services

Despite the popularity of Certegy, there are some stores that do not use it for verification checks. We would like to provide you with a small list of those who use the ID photo:

  • Check Into Cash;
  • Advance Financial;
  • PLS Check Cashing;
  • Giant Food;
  • Hannaford.

Choice of non-Certegy check cashing depends only on you and the reasons for this choice. After all, there are many check-verification companies, and each has its advantages and disadvantages.

Can I issue a dispute?

You have the right to dispute a waiver of acceptance or a Certegy check cashing limit imposed on your checks. Within 6 days, submit a written request to the company to provide a free report. If you do not receive an answer within 30 days, then the record should be deleted so as not to spoil your check history. Also, if the answer came, you can disagree with it and continue challenging.

We hope you are not intimidated by the potential difficulties in writing a check. Since this is a good way to store money and make large purchases. Thank you for reading the article to the end. See you soon on the pages of our blog!

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Author of article

Tatiana Sharapova

Interests: music, finance, cinema, art

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