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Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. Check Fraud Accounts for 30% of Fraud Losses, According to Fed Survey

Source: Annual Federal Reserve Financial Services (FRFS) Financial Institution Risk Officer Survey (2024)

The ultimate solution to fight Check Fraud

 

As criminals find new ways to commit check fraud, it has become more important than ever to use better protection. Tools like Secure Barcode Positive Pay and secure check printing make it easier to combat Check Fraud.

 

Understanding the Different Types of Positive Pay

 

Most fraud professionals understand the concept of positive pay solutions, where data extracted from a check or transaction is compared to an "issuer" or "issuance" file from the corporate client. However, there are many different types of positive pay:

 

  • Check Positive Pay: Enables banks to compare certain fields of the check to the issuer file, including serial number, amounts, and date.
  • Payee Positive Pay: Enables banks to compare the payee to the issuer file, along with the other standard fields. This is particularly effective for altered checks.

 

While a powerful tool for check fraud prevention, there are clear flaws -- for instance, the need for the corporate client to send a issuer file AND the verification of transactions from the corporate client. Many corporate clients are busy and will delay or forget to send the issuer file, or clear alerts without fully verifying the transactions.

 The positive pay solutions do not detect check fraud for personal  and handwritten checks.

 

Barcode Positive Pay

 

Next Generation Positive Pay that requires no issue file

Delivers advanced check fraud prevention that positive pay has failed to provide for the past two decades.

Plumb Bill Pay Partners with Cheque Guard

a Total Check Fraud Solution Provider Detection Solution

Plumb Bill Pay, a premier back-office accounting, financial reporting, and bill pay firm for family offices and the high-net-worth, is pleased to announce a partnership with Cheque Guard and their fraud detection tools and software.

 

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Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. ChequeGuard’s suite delivers enterprise-grade check fraud prevention and payment authentication solutions trusted by banks, businesses, and financial institutions across the country. From issuing to clearing, our software ensures every check is protected, traceable, and verifiable, eliminating vulnerabilities at every stage. Our Flagship Solutions CheckSeal™ – Digital Check Encryption at the Source ChequeSeal software is state of the art check printing and management software that makes check printing more efficient and secure. Seamlessly interface with all accounting software, Quickbooks, Sage, Microsoft Dynamics, Acumatica, Oracle/People Soft, SAP, MAS, Timberline, Yardi, MYOB, home grown system, etc. Proof the check against Fraud and Counterfeiting. An enhanced check layout can be implemented without any changes required in the accounting software. Apply a unique encrypted seal to each check you issue. CheckSeal™ ensures tamper-proof document integrity and provides end-to-end traceability from issuance to clearing. Seamlessly integrates with accounting software Meets and exceeds ANSI and bank security standards Eliminates manual validation errors CheckTeller™ – Instant Authentication at Point of Deposit Verify checks on-the-spot at teller stations or back offices using CheckTeller™. This powerful tool allows banks and businesses to detect altered or unauthorized checks in real time. Verifies encrypted CheckSeal™ codes instantly Works with any standard desktop scanner Ideal for banks, credit unions, and large-volume check recipients CheckPoint™ – Full-Spectrum Check Validation Platform Centralize all check validation with CheckPoint™, the command center of our fraud prevention ecosystem. View activity, run audits, and stop threats before they impact your business. Real-time alerts and exception reporting Centralized dashboard for easy compliance tracking Seamless integration with Positive Pay systems Positive Pay – Your Last Line of Defense Our Positive Pay system bridges your issued check data with bank-clearing processes. By feeding verified issue data directly to your bank, we stop fraud before checks hit your account. Compatible with major banks and treasury platforms Minimizes risk of altered or counterfeit checks Meets all regulatory and compliance standards Why Choose ChequeGuard? Over 20 years of payment security expertise Trusted by hundreds of financial institutions Designed for IT, compliance, and finance teams Integrates with QuickBooks, Oracle, SAP, and more Ready to Protect Your Checks? Join the growing network of organizations who rely on ChequeGuard for airtight check security. Request a Demo Contact Sales Explore Product Features

The Ultimate Solution for Check Fraud

Founded in 1991, Cheque Guard Inc is the leading innovator in cheque fraud solutions for smaller and medium-size businesses and financial institutions. Cheque Guard's Form Suite for the IBM AS/400 series, and Cheque Seal™ and Cheque Suite™ for Windows allow businesses to integrate and rapidly deploy secure, controlled cheque printing and electronic payment solutions (In the USA: Automated Clearing House (ACH)), while concurrently creating a Positive Pay file for the bank as the cheques are printed by the customer.

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Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. Check Fraud Accounts for 30% of Fraud Losses, According to Fed Survey
Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. ChequeGuard’s suite delivers enterprise-grade check fraud prevention and payment authentication solutions trusted by banks, businesses, and financial institutions across the country. From issuing to clearing, our software ensures every check is protected, traceable, and verifiable, eliminating vulnerabilities at every stage. Our Flagship Solutions CheckSeal™ – Digital Check Encryption at the Source ChequeSeal software is state of the art check printing and management software that makes check printing more efficient and secure. Seamlessly interface with all accounting software, Quickbooks, Sage, Microsoft Dynamics, Acumatica, Oracle/People Soft, SAP, MAS, Timberline, Yardi, MYOB, home grown system, etc. Proof the check against Fraud and Counterfeiting. An enhanced check layout can be implemented without any changes required in the accounting software. Apply a unique encrypted seal to each check you issue. CheckSeal™ ensures tamper-proof document integrity and provides end-to-end traceability from issuance to clearing. Seamlessly integrates with accounting software Meets and exceeds ANSI and bank security standards Eliminates manual validation errors CheckTeller™ – Instant Authentication at Point of Deposit Verify checks on-the-spot at teller stations or back offices using CheckTeller™. This powerful tool allows banks and businesses to detect altered or unauthorized checks in real time. Verifies encrypted CheckSeal™ codes instantly Works with any standard desktop scanner Ideal for banks, credit unions, and large-volume check recipients CheckPoint™ – Full-Spectrum Check Validation Platform Centralize all check validation with CheckPoint™, the command center of our fraud prevention ecosystem. View activity, run audits, and stop threats before they impact your business. Real-time alerts and exception reporting Centralized dashboard for easy compliance tracking Seamless integration with Positive Pay systems Positive Pay – Your Last Line of Defense Our Positive Pay system bridges your issued check data with bank-clearing processes. By feeding verified issue data directly to your bank, we stop fraud before checks hit your account. Compatible with major banks and treasury platforms Minimizes risk of altered or counterfeit checks Meets all regulatory and compliance standards Why Choose ChequeGuard? Over 20 years of payment security expertise Trusted by hundreds of financial institutions Designed for IT, compliance, and finance teams Integrates with QuickBooks, Oracle, SAP, and more Ready to Protect Your Checks? Join the growing network of organizations who rely on ChequeGuard for airtight check security. Request a Demo Contact Sales Explore Product Features
Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. Check Fraud Accounts for 30% of Fraud Losses, According to Fed Survey
Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. ChequeGuard’s suite delivers enterprise-grade check fraud prevention and payment authentication solutions trusted by banks, businesses, and financial institutions across the country. From issuing to clearing, our software ensures every check is protected, traceable, and verifiable, eliminating vulnerabilities at every stage. Our Flagship Solutions CheckSeal™ – Digital Check Encryption at the Source ChequeSeal software is state of the art check printing and management software that makes check printing more efficient and secure. Seamlessly interface with all accounting software, Quickbooks, Sage, Microsoft Dynamics, Acumatica, Oracle/People Soft, SAP, MAS, Timberline, Yardi, MYOB, home grown system, etc. Proof the check against Fraud and Counterfeiting. An enhanced check layout can be implemented without any changes required in the accounting software. Apply a unique encrypted seal to each check you issue. CheckSeal™ ensures tamper-proof document integrity and provides end-to-end traceability from issuance to clearing. Seamlessly integrates with accounting software Meets and exceeds ANSI and bank security standards Eliminates manual validation errors CheckTeller™ – Instant Authentication at Point of Deposit Verify checks on-the-spot at teller stations or back offices using CheckTeller™. This powerful tool allows banks and businesses to detect altered or unauthorized checks in real time. Verifies encrypted CheckSeal™ codes instantly Works with any standard desktop scanner Ideal for banks, credit unions, and large-volume check recipients CheckPoint™ – Full-Spectrum Check Validation Platform Centralize all check validation with CheckPoint™, the command center of our fraud prevention ecosystem. View activity, run audits, and stop threats before they impact your business. Real-time alerts and exception reporting Centralized dashboard for easy compliance tracking Seamless integration with Positive Pay systems Positive Pay – Your Last Line of Defense Our Positive Pay system bridges your issued check data with bank-clearing processes. By feeding verified issue data directly to your bank, we stop fraud before checks hit your account. Compatible with major banks and treasury platforms Minimizes risk of altered or counterfeit checks Meets all regulatory and compliance standards Why Choose ChequeGuard? Over 20 years of payment security expertise Trusted by hundreds of financial institutions Designed for IT, compliance, and finance teams Integrates with QuickBooks, Oracle, SAP, and more Ready to Protect Your Checks? Join the growing network of organizations who rely on ChequeGuard for airtight check security. Request a Demo Contact Sales Explore Product Features
Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. Check Fraud Accounts for 30% of Fraud Losses, According to Fed Survey Check fraud continues to be a significant concern for financial institutions, businesses of all sizes and consumers alike. ChequeGuard’s suite delivers enterprise-grade check fraud prevention and payment authentication solutions trusted by banks, businesses, and financial institutions across the country. From issuing to clearing, our software ensures every check is protected, traceable, and verifiable, eliminating vulnerabilities at every stage. Our Flagship Solutions CheckSeal™ – Digital Check Encryption at the Source ChequeSeal software is state of the art check printing and management software that makes check printing more efficient and secure. Seamlessly interface with all accounting software, Quickbooks, Sage, Microsoft Dynamics, Acumatica, Oracle/People Soft, SAP, MAS, Timberline, Yardi, MYOB, home grown system, etc. Proof the check against Fraud and Counterfeiting. An enhanced check layout can be implemented without any changes required in the accounting software. Apply a unique encrypted seal to each check you issue. CheckSeal™ ensures tamper-proof document integrity and provides end-to-end traceability from issuance to clearing. Seamlessly integrates with accounting software Meets and exceeds ANSI and bank security standards Eliminates manual validation errors CheckTeller™ – Instant Authentication at Point of Deposit Verify checks on-the-spot at teller stations or back offices using CheckTeller™. This powerful tool allows banks and businesses to detect altered or unauthorized checks in real time. Verifies encrypted CheckSeal™ codes instantly Works with any standard desktop scanner Ideal for banks, credit unions, and large-volume check recipients CheckPoint™ – Full-Spectrum Check Validation Platform Centralize all check validation with CheckPoint™, the command center of our fraud prevention ecosystem. View activity, run audits, and stop threats before they impact your business. Real-time alerts and exception reporting Centralized dashboard for easy compliance tracking Seamless integration with Positive Pay systems Positive Pay – Your Last Line of Defense Our Positive Pay system bridges your issued check data with bank-clearing processes. By feeding verified issue data directly to your bank, we stop fraud before checks hit your account. Compatible with major banks and treasury platforms Minimizes risk of altered or counterfeit checks Meets all regulatory and compliance standards Why Choose ChequeGuard? Over 20 years of payment security expertise Trusted by hundreds of financial institutions Designed for IT, compliance, and finance teams Integrates with QuickBooks, Oracle, SAP, and more Ready to Protect Your Checks? Join the growing network of organizations who rely on ChequeGuard for airtight check security. Request a Demo Contact Sales Explore Product Features