How does Certegy work?

Certegy is a leading provider of check authorization and consumer finance services. To understand how Certegy works, it is important to describe the process in a nutshell. When a customer writes a check at a participating merchant, the merchant may submit the check information to Certegy for verification. Certegy utilizes their extensive database to analyze the customer's check-writing history, account standing, and other relevant information. Based on this analysis, Certegy provides the merchant with an approval or decline decision within seconds. If approved, the merchant accepts the customer's check as payment. Certegy also offers services such as check cashing and payday advances. Their fast and efficient check authorization system helps merchants mitigate the risk of accepting bad checks, providing them with peace of mind and ensuring a secure payment process for both customers and merchants.