Check cashing, redefined

Pay as you go. Zero fixed cost.

Any check, any mode, with multi-disbursal options and a highly configurable, flexible fee structure — on a commercial model where you pay per transaction instead of carrying a licence you have to justify in slow months.

Schedule a Demo →All loan types
Zerofixed cost — pay as you go
Anycheck, any mode
Multidisbursal options
The commercial model

Cost that follows volume

Check cashing is a volume business with seasonal swings. Paying a flat licence for it means paying for capacity you are not using for part of the year.

Pay as you go

Zero fixed cost

You pay per transaction. A quiet month costs less than a busy one, a new store carries no licence commitment before it has customers, and there is no seat count to renegotiate when volume moves. The commercial model matches how the business actually earns.

Highly configurable

Fee structures by check type, amount band, customer tier and store — configured by you rather than quoted as a change request.

Any check — any mode

Payroll, government, insurance, personal and business instruments, taken at the counter or through the channels you already run.

Multi-disbursal

Pay out in cash, to a prepaid or debit card, by ACH, or split across more than one method in a single transaction.

Operations

What it looks like at the counter

The same screens as every other transactionCheck cashing shares the layout a CSR already uses for a loan payment, so the counter’s busiest service needs no second application and no extra training.
Instrument captureCheck scanner and card reader integration through MagTek and Digital Check at the counter.
Risk screeningScreening on the instrument and the presenter before cash leaves the drawer.
Drawer controlCash disbursement inside branch drawer control and daily close.
Card and prepaid payoutInstant load to prepaid or debit through the same payout rails the loan products use.
Fee configurationFee tables by instrument type, band, tier and location.
ReportingTransaction, fee income and store performance reporting alongside the loan portfolio.

One customer, both businesses

A check-cashing customer and a loan borrower are frequently the same person. Because check cashing runs on the same core, the relationship, the history and the reporting are unified — instead of sitting in a separate system nobody reconciles.

FAQ

Check cashing questions

What does “zero fixed cost” mean in practice?

That the commercial model is per transaction rather than a fixed licence or seat fee for the check-cashing capability. Volume drives cost, so seasonality and new-store ramp-up do not commit you to capacity in advance. The actual per-transaction figures depend on volume and mix — see pricing & delivery models.

Can we split a payout across methods?

Yes — multi-disbursal lets a single transaction pay out partly in cash and partly to a card or by ACH.

Does it work alongside our loan products?

It runs on the same core, so the customer record, the store reporting and the general-ledger posting are shared with the loan products rather than kept in a separate system.

See it configured for your states

Bring your rate and fee structure for the states you operate in. We will set it up and originate a live loan against it.

Schedule a Demo →Platform overview