Advanced Payment Technologies, LLC

Check Services

Say yes to checks! More approvals mean more sales. We promise the highest percentage of approvals, so you don't turn away customers. CrossCheck will take the extra risk and guarantee 50% fewer declines than our competition or we will pay the set-up fee for the merchant to return to their previous check guarantee company.*

The personal check remains America's favorite form of non-cash payment and continues to lead the way as the most frequently used payment device. Businesses which do not accept checks lose money. The key is to find ways to screen out the risky checks and provide this service for the majority of customers whose written word is as good as gold.

The American Bankers Association puts the dollar amount of bad checks at $850 million last year, up 43% in two years. Your share of that loss could be significant and it can be eliminated. Why go through all these hassles in an attempt to limit your check exposure?

Increase your sales today by using CrossCheck, and stop worrying about whether a check is bad or not.

*Up to $200 within 30 days from signing up and confirmation through the Welcome Aboard letter.

Check Conversion

CrossCheck is proud to provide merchants with the latest state-of-the-art technology, our Guaranteed Electronic Check Conversion Premium. This new service from CrossCheck makes taking checks as simple and fast as taking credit cards. With each authorized check, funds are electronically processed and automatically deposited into the merchant's account. And since conversion alone can't preclude NSF items, we have enhanced the service to include guarantee.

Check Conversion Plus

This system effectively eliminates paper checks at the merchant's location by converting a paper check into an Electronic Funds Transfer (EFT) that is processed through the Automated Clearing House (ACH).

Our Check Conversion premium automates the check process, expedites funds availability and reduces bank charges such as return check fees. Funds are automatically placed into the merchant's account, reducing the need to fill-out daily deposit slips, and travel to the bank. Check Conversion also eliminates the chance of loss from robbery, since store personnel make the deposit for checks the same as for credit cards (from the terminal).

This allows consolidation of funds for multi-location merchants. Counterfeiting is curtailed, as the check reader can detect non-MICR ink checks. And, of course, no time is wasted in long lines at the bank. With check guarantee features, merchants can feel secure accepting non-cash payments and increase sales by offering their customers the #1 preferred non-cash payment method - checks!

Check Guarantee

Providing the right payment choices for your customers is very important in today's competitive marketplace. A check guarantee service can be a simple and economical way to increase revenue at your place of business. Checks are a popular form of payment and are the preferred non-cash payment at the retail point-of-sale. If you limit check payments you may be limiting sales. A check guarantee service from CrossCheck will let you accept checks easily and quickly from your customers, without worry.

With our guarantee service your business can accept out-of-town and out-of-state checks, even checks from Canada and all U.S. territories, safely and with less risk. With a guarantee service in place, checks are approved at the point-of-sale in seconds following our simple instructions. If an approved check is returned from the bank unpaid, it can be submitted to CrossCheck for processing and reimbursement allowing you to concentrate on sales, not on collections. Training, supplies and account information is avilable at any time, for no charge.

  • Highest approvals in the industry
  • Terminal, phone and internet approval systems
  • Free 24/7/365 customer service
  • Simple claim submittal
  • State-of-the-art authorization technology
  • Acceptance of checks from the U.S., all U.S. territories and Canada
  • Premium programs for additional coverage
  • Approval on business checks

Internet Checks


Merchants who sell products over the Internet miss out on business from the millions of people who do not have credit cards. CrossCheck's innovative, patent-pending ChecksByNet program allows e-merchants to safely and easily accept check payments from customers. CrossCheck was the first in the industry to offer this payment option to its merchant customers.

How is a purchase made?

When a customer is ready to make their online purchase and goes to the merchant's check out web page, they are given the option to pay by check. The customer will then be directed to CrossCheck's Authorization Center. The customer will answer a few questions and then fill in a blank check that appears on the screen.

The check information is then sent electronically to CrossCheck for authorization. Check approval occurs in seconds. The merchant then has the option of printing the check immediately or on-demand on their printer. Merchandise can be shipped immediately - no need to wait for the check to clear!

How does ChecksByNet work with existing software?

Customers are totally unaware that they are interacting with CrossCheck because the ChecksByNet program is invisible and completely self-supporting. It overlays the store's existing electronic payment system. The only indication to the customer that there is any change is a small security flag that will appear at the bottom of their web browser.

What do merchants need to get started?

After signing-up for ChecksByNet, Internet merchants who have Web sites that are capable of processing purchases need only have a printer and check stock at their physical location. Technical and customer support is available 24 hours a day, 365 days a year!

*Subject to terms & conditions of the Service Agreement.


Traditionally, payment options for merchandise that must be shipped are limited and can be costly. Not every customer or business has a credit card, and CODs carry high fees that may deter business. CrossCheck has solved this problem with our fast, simple CheckNow program.

CheckNow enables merchants to take orders via phone or fax, risk-free. Merchants need only enter the customer's contact and check information into our web site by following the simple prompts, print the check on their own printer and deposit it into their bank like a regular check. Payment on approved checks is guaranteed! Merchandise can be shipped immediately, no need to wait for checks to clear!

After signing-up for CheckNow, all merchants need to get started is a computer, Internet access, printer and check stock. Technical and customer support is available 24 hours a day, 365 days a year!

*Subject to terms & conditions of the Service Agreement

Advanced Payment Technologies, LLC
4770 Baseline
Suite 200
Boulder, CO 80303

Advanced Payment Technologies, LLC
8011 34th Ave S
Bloomington, MN 55425

800-365-7270 Toll-Free
952-922-7655 Phone
952-922-7629 Fax