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If you want to reduce check returns, there are many different things you can do. It's all a matter of how far you want to take it.
For instance, you may want to validate via email prior to acceptance.
You can use a product like Experian where you can assess consumer credit worthiness and information accuracy (including SSN).
You can validate account numbers with StarCheck (where applicable).
And, you can even do a microdeposit (like paypal) to validate the account holder.
Obviously, some of these will limit throughput and some will totally take away the impulse purchase, so you have to do the math and see what works best for your risk threshhold and application.
Most importantly and given the credit card environment, you absolutely should accept checks. There are 100 million people in the US that have a checking or savings account that DO NOT have a credit card.
Maybe you have to be on a larger scale to measure it, but I believe not accepting checks is leaving money on the table. How can the biggest programs out there accept checks and make it work while others cannot? Why are some of the bigger programs promoting checks as their first option.
There are several companies in this thread that provide great ACH processing and you should open an account with everyone of them and see what works for you.
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