Superior Merchant Services

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Retail Processing

Gateway Processing

Software Processing

Virtual Terminal

Check Processing

Wireless Processing

Check Processing

All businesses that accept checks encounter bad checks and the collection hassles that go with them. As a merchant, if you try to control check problems by limiting check acceptance, you are turning business away. The solution is to increase check acceptance and eliminate the risk.

Sleep easy at night with our Safe & Secure Check Processing Services

Check Solutions:

Check Guarantee

Check Conversion

Internet Check Processing

Phone or Mail Order Check Processing

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.

Check Guarantee

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 for processing and reimbursement allowing you to concentrate on sales, not on collections. Training, supplies and account information is available at any time, for no charge.


1. Scan check through check imager.	2. Retail terminal prints authorization receipt.	3. Deposit your guaranteed check at your bank.

Check Conversion

Our Check Conversion service 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. Conversion Plus 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. And, of course, no time is wasted in long lines at the bank.


1. Scan check through check imager.	2. Retail terminal prints authorization receipt.	3. Money is electronically sent to your bank account, just like a credit card transaction.

Internet Check Processing

Merchants who sell products over the Internet miss out on business from the millions of people who do not have credit cards. Our ChecksByNet program allows e-merchants to safely and easily accept check payments from customers.

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 our 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 us 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!

(view demo)

Phone or Mail Order Check Processing

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. We 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!

(view demo)

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Superior Merchant Services is a registered office agent for Cutting Edge Bankcard, Inc.

Cutting Edge Bankcard Services, Inc. is a direct MSP, Merchant Service Provider, licensed with MasterCard and Visa to process with Nova Information Systems, located in Atlanta, GA.