Check Verification
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Check Verification


We’re a good way to avoid bad checks.

Using Star Chek Direct® OfficeTellerTM provides Merchants a system to determine whether a checking account has available funds, is overdrawn, frozen, closed, or valid in real-time at the point of sale.

The service takes about the same amount of time as a credit or debit card transaction. The service will expedite the checkout process, increase consumers' ability to write out-of-state checks and provide increased check transaction details in consumers' monthly bank statements. In addition, the merchant will not be required to write down various data on the check such as the approval number or the customer's driver's license information.

The amount of the check is credited to the merchant's account the NEXT BUSINESS DAY.*

Checks-by-Phone and Online Check versions are also available.

OfficeTellerTM's system authorizes -- and electronically debits -- paper checks against actual DDA balances right at point-of-sale so you can:

      Reduce fraud
      Reduce processing time
      Lower back office costs
      Improve cash flow
      Improve your bottom line
      Accept Out-of-State Checks with Confidence
REAL-TIME BENEFITS

Verification Only

  • 3rd Party Checks - Accepted
  • MICR line can be read by current POS devices.
  • Data travels via the same EFT network used by ATMs.
  • Authorization is against actual DDA balances.
  • Data files are never old or inaccurate.
Verification with Conversion
  • *Point-of-Sale Transactions Only
  • Approved checks clear NEXT DAY!!!
  • Debits take place OfficeTellerTMinstantly.

Sample Data Input Screen
OfficeTeller TM Check Verification allows you to manually process single transactions (as shown in this example below), verify checks by processing them through our Check Reader / Scanner or upload batch files.
Reminder: Use of verification results in a separate charge beyond regular transaction fees!
Information ~ NON-Working DEMO SCREEN !
Account Type:
Amount: ABA Number: xxxxxxxxx (9 Characters)
Account Number: xxxxxxxxxxxxxx (5 - 25 Characters)

ATM Verify Results

Information
Results: APPROVED;P70:VALIDATED
Account Type: CHECKING
Amount: $1,000.00
ABA Number: 322271627
Account Number: 93672270
   
 

 

ATM Verify Return Codes

99999009900 APPROVED:P70:VALIDATED

99999000000 DECLINED:P00:ACCT NOT LOCATED

99999001200 DECLINED:P01:ACCOUNT CLOSED

99999002000 DECLINED:P05:NSF

99999008000 DECLINED:P07:NON DDA ACCOUNT

99999009600 UNKNOWN:P50:NON PARTICIPANT

99999190000 UNKNOWN:P80:PREAUTH VENDOR BUSY

99999009000 UNKNOWN:P90:PREAUTH VENDOR UNAVAILABLE

99999003000 UNKNOWN:P91:PREAUTH VENDOR ERROR

99999009200 UNKNOWN:P92:PREAUTH SERVER UNAVAIL

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