CrossCheck

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.

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

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

• Check guarantee services
• ACH payment processing
• Remote deposit capture
• Check verification services
• Merchant payment solutions

Headquarters

HQ city

Petaluma

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PlaidcoreTechnology or Integration · 29 April 2026CrossCheck 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 PaycoreStrategic or Co-development Partner · 29 January 2026Dealer 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)coreChannel Partner/ Reseller/ Distributor · 1 June 2021CrossCheck 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)minorGTM or Marketing PartnerCrossCheck 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 SolutionscoreStrategic or Co-development PartnerOptio 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 ProcessingminorStrategic or Co-development PartnerConstant 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

Broad 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

• Xx.com/crosscheckinc
• Facebookfacebook.com/crosscheck
• LinkedInlinkedin.com/company/crosscheckinc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CrossCheck