High Risk Check 21 Processing Solutions for your Business
Painless Processing specializes in equipping your high risk business with Check 21 processing solutions that are transparent, dependable, and offer the lowest possible industry rate specific to your business. We specialize and approve several of the industries that other Check 21 providers and processors shy away from. Painless Processing is able provide for these clients since all Check 21 deals are approved in-house within our underwriting department that result in rapid turnaround time and 100% discretion over the accounts we board. Some of the industries Painless Processing specializes in that traditionally Check 21 providers and processors have trouble approving are: Check 21 processing for Check Cashing Stores, Check 21 Processing for Payday Loan Providers, Check 21 Processing for Currency Conversion Services, and Check 21 Processing for Warranty Sales Businesses. Painless Processing has the staff and the expertise to properly evaluate and approve these industries and other high risk businesses for Check 21 processing. Call one of our Check 21 specialists today to find out more about our Check 21 services and industries our company can approve painlessly.
Ideal Payment Solution for High-Risk Business
A Check 21 processing account can change the way you do business
If you’re still not sold on how a Check 21 processing account can make your life easier, contact us at Painless Processing. Our experts have experience working with and getting approval for Check 21 accounts for a variety of businesses. We understand how important your cash flow is, as well as how a Check 21 account can drastically improve the efficiency of your checking deposits. Quit sitting on the sidelines. Contact Painless Processing now and begin experiencing the benefits that Check 21 has to offer.
Check 21 – Scan and Deposit Checks Online
Painless Processing offers merchants the ability to digitize their check processing completely. Check 21 services revolutionize the process of accepting check deposits, making funds accessible in a shorter timeframe. Merchants can scan their paper checks, watch as the funds are transmitted and cleared, and feel at ease knowing the checks are verified. With Check 21, our clients have until eight PM to deposit checks and reduce the time and financial costs of accepting paper ones.
Painless Processing offers Check 21 for high-risk industries, protecting them from fraud, NCF transactions, and helping them operate when listed on TMF or MATCH records.
Avoid the hassle of dealing with ACH Processing
With a Check 21 Processing account, you can avoid the hassle of dealing with ACH Processing
The Check Clearing for the 21st Century Act, also known as Check 21 Processing, was passed in 2003 as a means of providing an alternative to the difficult Automated Clearing House (ACH) restrictions. The benefits to a Check 21 processing account are extensive and can make your life as a business owner much easier, especially as it relates to internet and MOTO merchant services. Among the most important changes that the Check 21 Act has brought is the ability to scan paper checks and have the images sent as electronic transactions, rendering the need to manually deposit paper checks obsolete. Other benefits to a Check 21 processing account include:
- Shortened chargeback periods reducing risk of fraud
- More expedient and efficient cash flow management
- Saved time and money due to the freedom to cash paper checks electronically
- Fewer meddling restrictions than those imposed by ACH
- Extended window to deposit checks (4 extra hours)
Get Check 21 or Check by Phone for your business!
There are many benefits to electronic check processing.
Increase Sales
Many customers still prefer to pay using checks or money orders.
Reduce Costs
Electronic check processing carries the lowest cost per transaction of all payment processing options.
Clear Funds Faster
Clears up to 4 times faster than a traditional bank deposit.
Save Time & Less Hassle
Eliminate trips to the bank and go paperless.
Is Check 21 Processing The Answer?
Check 21 Processing provides an alternative to the difficult Automated Clearing House (ACH) restrictions. The benefits to a Check 21 processing account are extensive and can make your life as a business owner much easier, especially as it relates to internet and MOTO merchant services.

If you’re still not sold on how a Check 21 processing account can make your life easier, contact us at Painless Processing. Our experts have experience working with and getting approval for Check 21 accounts for a variety of businesses. We understand how important your cash flow is, as well as how a Check 21 account can drastically improve the efficiency of your checking deposits. Quit sitting on the sidelines.
Contact Painless Processing now and begin experiencing the benefits that Check 21 has to offer.
Opportunities for Aggregators and Resellers
Painless Processing offers opportunities for aggregators and resellers to processes their clients with our solution. Painless Processing has a solid Check 21 solution and aside from offering it to clients wants to enable re-sellers, service providers, ISO offices, and aggregators the opportunity to place their clients with a trust name and world class support in Check 21 processing. Set up is simple for the re-seller in 3 easy steps:
- Simply Call our 800 number and speak to one of our Check 21 Managers
- Fill out and sign the Agreements for engaging in such transactions with Painless Processing
- Start Boarding your Clients.
Painless Processing will provide re-sellers with an Industry “Buy-Rate” for Check 21 services for our partner / re-seller to offer their existing or potential clients. Our Company believes in offering 100% revenue retention above our buy rate for Check 21 services to keep our partners, resellers and aggregators satisfied and in the green. We encourage re-sellers, service providers, ISO offices, and aggregators that are currently not utilizing Painless Processing for Check 21 services to allow us to bid for their buy rate and offer our superior services to their existing and future clients. Our Payouts and reporting are done monthly and payments are direct deposited to our partners.