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About Pathfinder
Pathfinder Payment Solutions is ready to launch you on the path to better payment processing. Let us show you why we’re the best choice to help you increase cash flow, expand your sales channels, and save on payment processing costs.
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More than 450 million bad checks are written in the United States every year, causing businesses to lose billions of dollars. Now you can minimize your chances of losing money from those who don’t walk the straight-and-narrow path, leaving you to deal with non-sufficient funds, outright fraud, and other costly check deceptions.
Pathfinder Payment Solutions has teamed up with SCAN to provide our merchants with the most advanced, up-to-date database of bad check writers in the nation. And here’s the good news: instead of paying up to 2% per payment for check guarantee insurance -- only to have limitations on the types of checks you can process or denied claims -- you can screen out up to 80% of bad check writers before you even process the payment.
It’s simple to add Check Verify to any Pathfinder Payment Solutions processing plan…
After you add the Check Verify feature, it will verify the customer account information against the SCAN network at the time the payment is completed, ensuring your prospect is not on the bad check list. If the payment receives a SCAN decline, it will be handled according to limits you specify. For instance, payments up to a specified dollar amount can continue to be processed while those above the limit would be automatically voided. This limit can be modified upon request, giving you greater control and allowing you to determine what is an “acceptable risk”.
About SCAN (The Shared Check Authorization Network):
The SCAN Network was developed in 1985 to help retailers combat the problem of bad check writers through shared information. Since then, it has become the largest check verification network (by dollar volume and payment volume) in the nation, and receives bad check data from over 400 national retail chains including the nation's largest retailers (such as Kmart and Wal-Mart). The SCAN database also collects information from ChexSystems, which gathers information from 80% of all U.S. banking institutions about "closed for cause" accounts.
SCAN by the numbers
- Over $200 billion in checks are verified by SCAN each year.
- $444 million in checks are verified by SCAN each day.
- 150,000+ updates to SCAN are processed each day.
- 400+ national retail store chains contribute check data to SCAN each day.
- 71,000+ retail outlets access SCAN.
- 10 million+ unique records are in the SCAN checking account database.
We offer Check Verify as part of a complete payment solution. Our payment solutions are customized based on your processing profile. To move forward, please select your path: