What Is the Certegy Collection Agency?


Quick Answer

Certegy is a check risk management company. Merchants who are clients of Certegy accept Certegy's decision regarding whether to accept or reject any specific check received in payment for goods or services.

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Full Answer

Certegy does not use an individual's credit score when accepting or rejecting a check. Instead, Certegy keeps a database of check writers and uses that information to reject or accept checks on behalf of merchants. Certegy sometimes verifies a checking account balance before advising whether to accept a check, but it can only do so during business banking hours. Certegy rejects approximately 2 percent of the checks it processes per year, and its rejections cannot be overridden by the merchant.

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