Web to Cash check verification is a fast and easy way to reduce your cost of NSF and dishonored checks. This validation system will identify accounts with a history of unpaid returned checks, or will warn you when check volume is unusually high, identifying potential fraud. When you verify a check, you will receive descriptive responses alerting you of any negative history, allowing you to make an informed decision before processing your customer's check.

Check Verification - Selected Transactions
If you opted for the Selected Transaction Verification Service, you can verify your checks directly from the Verify Checks page, or by clicking the Verify this Transaction button after entering the transaction information. The Check Verification Message will appear on the Check Verification Results page and should you decide to process the transaction; the message will be carried forward to the success page where it can be printed for your records.

Check Verification – All Transactions
If you opted for the All Transactions Check Verification Service, your checks are automatically verified when you submit your transaction. The Check Verification Message will appear on the success page where it can be printed for your records

VERIFICATION MESSAGES (SUCCEEDED)
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AUTH NUM 681-522

This is the "accept" message.  The authorization number will be numeric only and starts at 000-000 and runs to 999-999

MANAGER NEEDED

This is the "warning" message.  It will usually be followed by one or more "reason" messages.

DECLINE CHECK

This is the "decline check" message.  It will usually be followed by one or more "reason" messages.

VERIFICATION RESULT MESSAGES (FAILED)
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ERROR IN MICR

Either a ? was found in the transit or on-us field (for machine read check), or the transit field check digit (US checks only) was found to be in error.  Note that the transit field check digit is tested for both manual entry and check reader entry for US checks.

 NO MICR GIVEN

A micr number was not found in the request packet.

NO CANADIAN CHKS

A Canadian check was detected (by the dash in the sixth position of the transit (ABA) field) and the system is set to reject same.

AGENCY UNKNOWN

The terminal ID referenced an agency number (site number) that is not valid.

AGENCY PROBLEM

The terminal ID referenced an agency number that is defined but has been set to refuse transactions by management.

SYS ERR -- RETRY

Some error (usually transient) in the system operation has been detected.

SYS BUSY - RETRY

System is too busy to respond within 20 seconds.  A retry will usually succeed.

PACKET ERROR

The verification request packet was not properly formed.

AGENCY DATA ERR

The terminal ID referenced an agency number that has an illegal entry in its data file.

REASON: VELOCITY MESSAGES

The following messages are "velocity" messages.  Messages with DAY refer to daily limits, while the ones with WIN refer to "window" limits where the "window" is from 1 to 14 days, as selected by the merchant.

LOC in a message means that the limit was exceeded when check transactions from only that store location were considered.

GRP in a message means that the limit was exceeded when check  transactions from a group of related stores were considered.

ALL in a message means that the limit was exceeded when check transactions from anywhere were considered.

Multiple "velocity" messages can occur.  However, within each of the three message groups shown below, only one will be output, even if more than one limit was exceeded. The priority is given first to LOC (local site) limits, then to GRP (group of stores) limits, and finally to ALL (data from everywhere utilized).

DAY LOC/NCHKS=4         This message type reports that a number of checks limit

DAY GRP/NCHKS=6         has been exceeded for the day.

DAY ALL/NCHKS=5

DAY LOC/AMT=250          This message type reports that the cumulative face

DAY GRP/AMT=300          amount of checks has been exceeded for the day.

DAY ALL/AMT=450

DAY LOC/CASH=125        This message type reports that the cumulative of cash

DAY GRP/CASH=200        returned from checks has been exceeded for  the day

DAY ALL/CASH=275

WIN LOC/NCHKS=4         This message type reports that a number of checks limit

WIN GRP/NCHKS=6         has been exceeded for the time window.

WIN ALL/NCHKS=7  

WIN LOC/AMT=200          This message type reports that the cumulative face

WIN GRP/AMT=235          amount of checks has been exceeded for the time

WIN ALL/AMT=317         window.

WIN LOC/CASH=123        This message type reports that the cumulative of cash

WIN GRP/CASH=209        returned from checks has been exceeded for

WIN ALL/CASH=310         the time window.

REASON: UNPAID ITEM MESSAGES

 2 UNPAIDS (LOC)            One of these three messages will appear

 3 UNPAIDS (GRP)            if a number of unpaids limit has been

5 UNPAIDS (ALL) exceeded.  LOC has priority over GRP.  GRP has priority over ALL.

UNPAID AMT=789

This message always follows the above messages and gives the cumulative amount of the outstanding unpaid items reported in the previous message.

REASON: ACCOUNT PROBLEM MESSAGES

 OUT OF AREA ACCT

The federal reserve area of the check was not in the list of areas the merchant has specified as acceptable.

BANK STOP

Bank has stopped account (probably closed).

CUSTOMER STOP

The account owner has requested that transactions on this account be stopped. This is likely because checks have been lost.

 STORE STOP

The merchant has requested that all checks with this account be stopped.

AGENCY STOP

The collection agency has requested that all checks with this account be stopped.

STLN/FRGD

Someone has reported that checks with this account number have been stolen or forged.

 CHECK STOPPED

The check sequence number matches a range specified by the account owner (used in the case of lost checks).

YOUNG ACCOUNT

The rule set has specified that previously unknown micr accounts be placed in a "new" category with alternate limits applied.  This message indicates that the account is still in that "new" period.

NO PAYROLL CHKS

The maximum amount of a payroll check was set to zero in the rule set to indicate that this merchant will not cash payroll checks.

PAY CHK TOO BIG

The merchant set limit on payroll checks has been exceeded.

DUPLICATE CHECK

This payroll check has been presented before for cashing.

NUM PAYCHKS=3

The rule set limit on the number of payroll checks that can be cashed on a given  ID in a given period of time has been exceeded.

AMT PAYCHKS=937

The rule set limit on the cumulative face amount of payroll checks has been exceeded.

NOT PAYROLL ACCT

The account is not an authorized payroll account and the rule set requires it to be.