Verification services – utilizing one of the most state of the art risk management tools is essential to merchants, especially those accepting non face-to-face transactions. This service may be used either manually or integrated into the acceptance process so that account information can be verified prior to generating an ACH transaction.

United Check Services-RISK TOOLS  
Risk tools is a fast, safe , easy way for merchants to authenticate and verify transaction information prior to generating an ACH debit online or by phone. We believe we have the best risk tools in the industry.  
Risk Management Comparison
Our Service
Others
NCN negative database The largest negative database in the industry.
100%
 On Occasion
Sophisticated risk management Our experience assists you in maximizing revenue and minimizing risk. 
100%
 ?
Rules-based risk scoring Create a predictive model, proactively preventing fraudulent transactions.
100%
 ?
Thomson's File Identifies known routing and bank data inconsistencies.
100%
 On Occasion
MICR Block Database Proprietary database of known accounts without ACH capabilities.
100%
 n/a
Known non-take-to-face fraud database Historical data from known customers who have charged back or claimed R10's.
100%
 n/a
Automated Funds Verification Proprietary system that validates, at time of settlement, whether there are funds or not (NSF), and whether the account is open or closed.
100%
 n/a
Decision Check Real-time fraud-detection system that approves a transaction based on the following information: bank account is open and in good standing; no NSF checks with a stop payment (R07) are associated to it; and a valid bank account is provided. If any of these fail to apply, the transaction is declined.
100%
 n/a
Select From Three Levels of Service:  
Risk Tools - Level 1:
 Includes account verification, route number verification, and NCN (negative check network database).  
Risk Tools - Level 2:
 Includes Level 1, plus MICR block database, Thomson's file, R10 database, StarChek.   
Risk Tools - Level 3:
 Includes Level 2, plus rules based scoring and Decision Check (real-time fraud detection including R7 and account validity)   
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United Checks all rights reserved Phone: 800-554-3317 Fax: 800-554-2074
 
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