ATTENTION: Check Cashers
Our compliance experts
save banking relationships!
ATTENTION: Check Cashers
Our compliance experts
save banking relationships!
WE SPECIALIZE IN:
Check Cashing
Bill Pay
Compliance
Money Transfers
Money Orders
Pinless International Calling
Top-Ups
Gift Card Buyback
The Paycheck Secure System eliminates check fraud and speeds up check cashing transactions.
MSBs and Financial Service Centers must possess, implement, and maintain a customized compliance program suited for their individual services.
Offering additional retail services provides an added value to your customers and increases foot traffic to your location.
WE SPECIALIZE IN:
With a proven record of preventing losses, our check cashing products offers retailers and banks full MSB compliance features as well as embedded Check 21 processing.
Paycheck secure is in over 2,500 retail locations nationwide, has over 8 million enrolled customers and has processed over 105 million biometric financial transactions.
Mitigate Check Fraud
Access to National Negative Database
24/7 Online Reporting
Automatic Database Backup
Counterfeit Check Warnings
Velocity Settings
Electronically Deposit Checks to your Bank
Easily Comply with Government Regulations
National Negative Database
Automatically verifies each transaction against our national database of bad check writers.
With Paycheck Secure, you’ll have access to the negative data for over 8 million consumers in the Paycheck Secure network. If the customer has passed a bad check at your store — or in any of the 2,500 locations in the Paycheck Secure network — the system will notify you before any money changes hands.
24/7 Online Reporting
Manage all transaction data whenever, wherever you want. Paycheck Secure offers the ability to view the information you need on the web, including system totals, customer information, transaction information and maker information.
Database Backup
Never lose your customer or transaction data with our automatic sync-to-server feature. All your valuable check cashing data is backed up automatically. No need to worry about backup tapes, Zip disks, or CD-ROMs.
Returned Check Report
View a returned check report with complete transaction history. Use Paycheck Secure’s returned check reports to recover bad checks. You’ll have the customer’s photo, fingerprints, contact information, photo ID, and full check cashing history right at your fingertips.
Counterfeit Check Warning
The system analyzes the magnetic ink and flags checks with low MICR levels for possible fraud.
Velocity Settings
Enforce your store’s check cashing policies automatically – you set the limits. Set your own rules for fees, velocity, overrides and more.
Maker Research (Account Lookup)
This service combines the nationwide Paycheck Secure network with multiple third-party databases to verify information on the maker (or check issuer) before you cash the check.
Third-party databases look for any negative information reported on a particular maker (invalid account, NSF, account status, etc).
The Paycheck Secure software analyzes maker history within the entire network (currently over 2,500 locations), for any negative information, including outstanding returns or bad account history. Based on the returned data, Paycheck Secure will provide you with a recommendation to Accept, Accept with Warning, or Decline the check.
Compliance (OFAC, CTR and SAR Reporting)
As part of the Patriot Act, money service businesses are now required to report transactions by the Office of Foreign Assets Control (OFAC)’s list of Specially Designated Nationals (SDNs).
Electronically submit Currency Transactions Reports (CTRs) and Suspicious Activity Reports (SARs) directly to the federal government. Automatically receive email alerts when CTRs need to be filed. We protect your data for 5 years.
All electronic reports filed with the Government Compliance Package are archived in the Paycheck Secure system for auditing purposes for five years.
Review Center
Review Center provides you with expert recommendations on checks without you having to make phone calls to investigate.
Check21 (Electronic Deposits)
Customizable risk triggers automatically initiate Review Center requests when checks cannot be instantly approved. Transactions are cross referenced for negative information across multiple networks and trained check cashing experts stand by ready to complete the transaction review process in real-time. Typically, the entire process can be completed while the customer waits.
Get Pricing (link to contact form at bottom of page)
Our CAMS certified representatives have created a comprehensive library of services that will meet or exceed needs of the bank and IRS and will keep you in compliance year-round.
As a business owner, the constant changing rules and regulations can be burdensome to keep up with. Our experts are systematically updated with the most recent BSA requirements.
Also, with over 40 years in the MSB industry, we have created relationships with hundreds of banks all over the United States and know what they are looking for.
Protecting your banking relationship and keeping you in compliance is our #1 goal!
Anti-Money Laundering Programs
Third Party Independent Reviews
AML/BSA Training & Certification
Annual Compliance Oversight
Compliance Consulting
Manage your compliance from anywhere on the web and be audit ready year-round.
The secure, online portal stores and organizes all your compliance documents.
Custom Anti-Money Laundering Program
Third Party Independent Review
Online Training & Certification
Digital Monitoring Logs
Calendar Reminders
Auditor Access
Document Storage
Increasing the foot traffic in your store is one of the best ways to add revenue to your bottom line.
The sure-fast way to get customers coming back to your store is to offer services that require them to be fulfilled at your physical location.
As an added bonus, we offer some of these services for FREE and in most cases they will not take up any precious counter/shelf space.
"We are proud to be partners with Capital Retail Solutions and their wonderful team for the last 8 years in the implementation of the Paycheck Secure Check Cashing System.”
Aldo Gonzalez- Owner
La Hacienda- San Mateo, CA
"When I decided to add check cashing as a service to my store, I called Capital Retail Solutions. Their team walked me through the entire process from licensing to implementing a compliance program, and doing an independent review. There’s a lot to it, and I just didn’t have the time to do it myself. I was approved for an account, started cashing checks and business is booming."
Carlos Ruiz- Owner
Maria's Fine Jewelry- Lemoore, CA
"This group does amazing work. Check cashing services is an important part of the business in all of my stores. Capital Compliance Experts have provided us with exceptional service and their attention to detail is impressive. Their annual compliance plan allows us to always be trained and prepared for any reviews. They are a critical piece of our check cashing business."
Mike Ali- CEO
Shawn Corporation, DBA Fast & Easy Mart, Benicia, CA
“My wife and I have sunk our entire military savings into our check cashing business. We were in disbelief when we learned our bank was closing our accounts. Thanks to your AML program we were approved by two banks including Wells Fargo!”
Chris Wright, Owner
One Stop Check Centers- Portland, OR
Send us a message to let us know how we can help.
We’ll respond quickly, answer any questions you have and provide you a price quote.
Ph: 855-922-4325 | Fax: 916-435-2510 | info@checkcashinghelp.com