CrossCheck
CrossCheck is a U.S. payment solutions provider, founded in 1983 and headquartered in Petaluma, California, offering check guarantee, check verification, remote deposit capture, and ACH payments to merchants in automotive, home furnishing, veterinary, medical, contracting, and specialty retail verticals.
- Company typePrivate
- Founded1983
- HeadquartersPetaluma, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What CrossCheck does
CrossCheck, Inc. is a U.S.-domiciled payment solutions provider founded in 1983 and headquartered in Petaluma, California, with a second office in Southlake, Texas. The company specializes in check guarantee and electronic check processing, processing billions of dollars in check-transaction volume annually across all 50 states for hundreds of thousands of cumulative merchants. Its core product suite comprises Check Guarantee (merchant protection against NSF, closed accounts, and stop-payments), Check Verification (real-time risk scoring against a national database of check-writing history), Remote Deposit Capture (electronic deposit with 48–72 hour funding), Multiple Check (2–4 checks over 30 days for a single sale), Check on Delivery (pre-delivery phone approval), and ACH/Open Banking payments including Pay-by-Link powered by Plaid. A proprietary Focus Desktop application serves as a virtual terminal. The company is PCI DSS and SSAE compliant, follows ISO 27002 controls, and holds an A+ BBB rating.
CrossCheck generates revenue primarily through per-transaction fees on guaranteed checks and ACH payments, with an additional affiliate/reseller stream via an ISO and reseller program that pays upfront commissions and lifetime residuals. Distribution combines direct enterprise field sales targeting national accounts with an indirect channel of ISOs/resellers, supplemented by integrations with QuickBooks, CenPOS, Metis, 1stMILE, Strictly, mykaarma, and DealerPay. Customer verticals include automotive dealers and aftermarket (the primary segment), home furnishings, building supply, medical/dental/veterinary practices, contracting and trades, and specialty retail. Strategic affiliates Optio Solutions (collections) and Constant Processing (card processing) are positioned as a single-source A/R ecosystem alongside CrossCheck's check guarantee offering.
The company is privately held and independent, with no disclosed venture capital or private equity backing, and has been led for over 25 years by President and CEO J. David Siembieda. Ownership appears closely held, and the firm has operated profitably for decades with a small, stable headcount of 51–100 employees.
CrossCheck firmographics
Firmographics- Name
- CrossCheck
- Legal name
- CrossCheck, Inc.
- Website
- https://cross-check.com
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CrossCheck is a U.S. payment solutions provider, founded in 1983 and headquartered in Petaluma, California, offering check guarantee, check verification, remote deposit capture, and ACH payments to merchants in automotive, home furnishing, veterinary, medical, contracting, and specialty retail verticals.
- Ownership category
- akta.pro rank
CrossCheck industry classification
Industry- Product category
- Check Guarantee & Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Commercial Banking (52211)
- akta.pro primary industry
- Cross-Border Collections & Local Receiving (Pay-ins) (FSAMAIAI)
- akta.pro secondary industries
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)
Keywords
Where CrossCheck is headquartered
LocationHeadquarters
- HQ city
- Petaluma
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
CrossCheck business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Transaction-based Check Guarantee Fees: CrossCheck charges merchants a fee per guaranteed check transaction. The company promotes competitive rates compared to other check guarantee services and offers to approve checks declined by competitors.
- ACH Payment Processing: CrossCheck processes ACH payments including Pay-by-Link, Remote Deposit Capture, and Open Banking-enabled transactions, charging transaction fees for each payment processed.
- ISO/Reseller Program: ISOs and resellers earn upfront commissions and ongoing residuals by selling CrossCheck services alongside card processing, with buy-rate programs available.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Check Guarantee service for merchants accepting checks with payment protection. |
| Transaction based/ take rate | Pay-as-you-go | Remote Deposit Capture for electronic check processing and deposit. |
| Transaction based/ take rate | Pay-as-you-go | Multiple Check for flexible multi-check payment options over 30 days. |
| Other | Multi-year contract | ISO and Reseller Programs for partners selling CrossCheck services. |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
CrossCheck product offering
Product offeringCore offering
CrossCheck provides merchants with guaranteed check acceptance and ACH payment processing services, including Check Guarantee, real-time Check Verification, and electronic Remote Deposit Capture (RDC). The company layers complementary products such as Multiple Check (split payments over 30 days), Check on Delivery (phone/delivery approvals), ACH with Open Banking including Pay-by-Link via Plaid, and Plus Sales (competitor-decline approvals), and packages them into vertical-specific solutions like its Automotive Payment Solution.
Product overview
CrossCheck is a payment guarantee and check processing platform offering a suite of integrated services designed for merchants handling high-ticket sales. The core platform centers on Check Guarantee (guaranteeing payment for checks), Check Verification (real-time risk assessment), and Remote Deposit Capture (electronic deposit). These are supplemented by modular add-ons including Multiple Check (2-4 checks spread over 30 days), Check on Delivery (phone/delivery order approval), ACH with Open Banking (including Pay-by-Link via Plaid), Plus Sales (competitor decline approvals), and Premium Services. CrossCheck also offers a proprietary Focus Desktop Application as a virtual terminal. The Automotive Payment Solution packages RDC, Multiple Check, and COD specifically for auto dealerships. The platform serves diverse industries including automotive, home furnishings, building supplies, medical/dental, veterinary, and specialty retail, processing billions in check-transaction dollars annually.
Differentiator
Problem solved
Functional benefit
Products and services
- Check Guarantee
Quantifiable outcome
- Funds deposited into business accounts within 48-72 hours via Remote Deposit Capture
- +2 more outcomes
Companies that use CrossCheck
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
CrossCheck technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
CrossCheck partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- PlaidcoreCrossCheck integrated Plaid into its enhanced Pay-by-Link platform launched in April 2026. The Plaid integration enables secure account verification and modern fintech experience for ACH payments sent via SMS or email.
- Dealer PaycoreDealer Pay and CrossCheck announced a strategic partnership in January 2026, integrating CrossCheck's payment guarantee services with Dealer Pay's automotive payment platform. This partnership enhances payment options for auto dealership customers.
- Roto-Rooter Franchisee Association (RRFA)coreCrossCheck became an Endorsed Vendor of the Roto-Rooter Franchisee Association effective June 1, 2021. RRFA members gain access to CrossCheck's check guarantee and electronic check processing services as a single source A/R solution alongside affiliates Constant Processing (cards) and Optio Solutions (collections).
- Electronic Transactions Association (ETA)minorCrossCheck has been a member of the Electronic Transactions Association since its predecessor organization Bankcard Services Association was founded in 1990. CrossCheck staff members serve on ETA committees including Retail Technology, Payment Sales & Strategy, Communications, and TRANSACT Program Planning.
- Optio SolutionscoreOptio Solutions is a CrossCheck affiliate company — a national debt collection agency providing collections services. Together with Constant Processing (card processing), they provide merchants with a complete A/R solutions ecosystem.
- Constant ProcessingminorConstant Processing is a CrossCheck affiliate company providing card payment processing services. Together with CrossCheck (checks) and Optio Solutions (collections), they offer a single-source A/R solutions package for merchants.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
CrossCheck competitors and assessment
Company assessmentBroad incumbents
- TeleCheck (FIS): TeleCheck, owned by FIS, is one of the largest check acceptance, verification, and guarantee service providers in the U.S. It directly competes with CrossCheck in check guarantee and verification for merchants, though as part of FIS's broader payments portfolio rather than a standalone specialist.
- Certegy (Fiserv): Certegy, a Fiserv company, provides check verification, guarantee, and electronic payment services to retailers. It is a direct competitor in check guarantee for high-ticket retail and is now part of a much larger payments platform.
- Square (Block): Square provides a broad suite of card and digital payment acceptance for SMBs and mid-market merchants. While not a check guarantee specialist, it competes for the same merchant wallet, particularly for in-person and remote payments.
- Bank of America Merchant Services: Bank of America Merchant Services offers card and electronic payment acceptance to enterprise and mid-market merchants. As a major bank-affiliated payments provider, it competes broadly for the same merchant relationships CrossCheck serves in automotive and home furnishings.
Direct peers
- VeriCheck: VeriCheck is a check verification and guarantee service provider focused on merchants, offering instant check approval and risk decisioning. It is a direct niche competitor to CrossCheck's Check Verification and Check Guarantee products.
- CrossCheck Anywhere: Independent check guarantee/verification service competing with CrossCheck for merchants in similar verticals, including automotive and specialty retail. Comparable transaction-fee model and merchant-facing API.
- EZCheck / Electronic Check Systems: Electronic Check Systems offers check verification, guarantee, and electronic check processing to merchants. Direct competitor in the same check guarantee and conversion category as CrossCheck.
- PaySimple: PaySimple offers ACH and electronic payment processing for SMBs, including recurring billing and remote check capture. Comparable to CrossCheck's ACH Pay-by-Link and Remote Deposit Capture offerings.
- ACH Direct: ACH Direct provides ACH payment processing and risk management services to merchants and ISOs. It overlaps with CrossCheck's ACH and Open Banking products and similar ISO distribution model.
Others
- Plaid: Plaid is CrossCheck's account verification partner powering its Pay-by-Link platform. As a broader fintech infrastructure provider, Plaid enables ACH and bank-linked payments across the industry and represents both an enabler and a potential competitive layer for ACH flows.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
CrossCheck social profiles
Digital presenceCrossCheck compliance and trust
Trust signalCompliance3 records
CrossCheck financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrossCheck leadership team
Management profileNumber of profiles
Profiles9 records
CrossCheck subsidiaries and ownership
Company hierarchySubsidiaries2 records
CrossCheck funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrossCheck M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CrossCheck
What does CrossCheck do?
CrossCheck provides merchants with guaranteed check acceptance and ACH payment processing services, including Check Guarantee, real-time Check Verification, and electronic Remote Deposit Capture (RDC). The company layers complementary products such as Multiple Check (split payments over 30 days), Check on Delivery (phone/delivery approvals), ACH with Open Banking including Pay-by-Link via Plaid, and Plus Sales (competitor-decline approvals), and packages them into vertical-specific solutions like its Automotive Payment Solution.
Is CrossCheck a public or private company?
CrossCheck is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CrossCheck founded?
CrossCheck was founded in 1983. It employs 51 to 100 people.
Where is CrossCheck based?
CrossCheck is headquartered in Petaluma, United States, in the North America region.
How does CrossCheck make money?
Three revenue lines are on record. Transaction-based Check Guarantee Fees are the primary driver. The others are ACH Payment Processing and ISO/Reseller Program.
Who are CrossCheck's main competitors?
Broad incumbents on record are TeleCheck (FIS), Certegy (Fiserv), Square (Block) and Bank of America Merchant Services. Direct peers are VeriCheck, CrossCheck Anywhere, EZCheck / Electronic Check Systems, PaySimple and ACH Direct. Plaid is listed as an others.
Does CrossCheck have an API?
Yes. CrossCheck offers API integration capabilities for merchant partners to connect their systems with CrossCheck's payment processing platform. The API enables check authorization, deposit preparation, and account management functions. Specific technical details such as authentication methods, rate limits, and versioning are not publicly documented. Developer documentation is at www.cross-check.com/api.
What industry is CrossCheck in?
CrossCheck's product category is Check Guarantee & Payment Processing. Its primary akta.pro industry code is FSAMAIAI, Cross-Border Collections & Local Receiving (Pay-ins), with a secondary code of FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards). Its NAICS code is 52232.