Products and Services

Negative and Positive Check Verification

What is negative and positive check verification?

It's verifying checks against a negative and/or positive check database.

A "negative" database is created by merchants and collection agencies who reported negative information about a check presented to them as either NSF, account closed, stop pay, or frozen, for example. The account in question stays in the database until the customer pays the merchant or collection agency. When the customer pays, the reporting party notifies the database that the item has been paid, and the item is removed from the database.

A "Positive" check verification is created by participating merchants who supply daily data to the database on all the checks they’ve received. If the database has a history of “seeing” that check account being reported over and over with no negative history, then the account is listed in its positive database.

Special Features

Another aspect of our positive check verification is our ability to tell you whether we have ever “seen” this account before. If not, we can issue a warning, informing you that this is a new or potentially fraudulent account that has never been seen by our databases. We’ll keep this account in a “new” status for 60 days. After that, as long as nothing negative has been documented on the account, we’ll move it to our positive database.

With the largest and fastest-growing public database in the United States, our Negative and Positive Check Verification solutions have what you need for check authorization to expedite customer service and reduce check losses. Our partners track over 120 million accounts and update them over 300 times a day. Our parsing routines (analysis and filtering of data coming into the database) ensure the integrity of the data. Thus, both paper and electronic processed checks coming through this system are less likely to be returned, and authorizations are more likely to be valid.

Database size, industry-leading technology, and highly customizable controls give major retailers, grocers, third-party processors, and banks confidence in our Negative and Positive Check Verification solutions. By combining our Negative and Positive Check Verification service with our Real-time Check and Debit Verification system, you’ll have the most powerful check verification solution available in the market today.

Still Not Sure?

If you’re not sure whether this solution is the best one for your business or would like an online demonstration of how Negative and Positive Check Verification works, please fill out a Contact Request form, and an NCMS agent will contact you shortly.  Or for immediate assistance, please contact us toll free at 877.370.9645.