TeleCheck® ECA® Verification

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Paper checks can now be accepted at the point-of-sale just like credit cards and can be easily added to your existing credit card system. The process is very simple and requires an imager/reader to be attached to your terminal. The paper check is passed through the reader and verified against a database of negative files and bounced check writers. A match will result in an instant decline. If approved, the paper check must be voided and returned to your customer, and funds will be deposited into your bank account within 72 hours, just like a regular credit card transaction.

The TeleCheck® ECA® Verification service is one of the industry's most sophisticated check verification systems. It gives you the confidence to accept more checks, while reducing bank fees and processing costs. You will see an improvement in cash flow with faster funding utilizing the TeleCheck ECA Verification service. And with electronic check processing, you return the check to the consumer helping to protect your customer's personal information. The TeleCheck ECA Verification service screens checks against information from hundreds of thousands of businesses and financial institutions, minimizing the risks associated with check acceptance.




How It Works

After a customer gives you a paper check, TeleCheck uses leading risk assessment technology and extensive check-writer negative and activity databases to evaluate the risk of accepting a check. If the check meets the verification requirements, the TeleCheck ECA Verification service converts the paper check into an electronic transaction at the point-of-sale. The Automated Clearing House (ACH) network is used to process the transaction and funds are deposited directly into your bank account generally in two business days.

Electronic Check Acceptance Features

  • Guarantee against bounced checks and NSF fees.
  • Checks processed like credit cards with greater merchant protection.
  • Funds automatically deposited into merchants bank account.
  • Checks are processed electronically at the point-of-sale.
  • Check writer information verified against national negative database.
  • 24-hour customer service and technical support.
  • Online and Paper statement reporting.
  • Requires a check imager to be attached to credit card terminal.

Downloadable documentation requires Adobe® Reader®. If you do not already have it, you can download it for free from

Telecheck ECA Verification Sales Sheet (PDF, 105KB)
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