The Ultimate NSF Returns Recovery Service

For Financial Institutions

ChecXchange: an all-in-one platform designed to effortlessly collect NSF returned payments and represent all types of return items, including NSF ACH and Check returns.

High recovery rates: up to 80-90% collection rates

Daily processing for faster collection

High representment limit (up to $5,000) ​

Collection agency support for uncollected returns

Intuitive, "white labeled" interface for seamless brand integration.

Improve your cash flow with ChecXchange

Seamlessly convert NSF items into electronic transactions & increase the chances of successful fund recovery by automatically re-submitting returned items up to two times via ACH.

Benefits & Features

  • Full Credit for Collected NSF Items
  • Zero Hidden Fees
  • Equipment-Free Solution
  • Custom Branding

Online Reporting

  • 24×7 Real-Time Availability
  • High-Resolution Check Images
  • Detailed Check Status Overview
  • Easy to use: point and click

Trusted Security

  • Advanced Fraud Prevention Tech
  • Secure Encryption & Data Disposal
  • Complete PCI-DSS Compliance
  • Data SSAE 16 Certified Type I & I

Elevate Your Merchant's Experience​

Build Long-Term Success:

Strengthen customer relations, increase satisfaction, and retain valuable clients. Our state-regulated fee covers recovery costs, ensuring a seamless process for your institution.

Returns Management:

Handle all return types, including non-NSF items. Directly send letters and item copies to merchants for a hassle-free experience.

Single Sign-On (SSO):

Our single sign-on capabilities enable users to log in once and seamlessly access other connected applications or services without needing to enter their login information again.

Automated Opt-in Process:

Our terms and conditions include automatic opt-in for merchants, giving them the convenience of hassle-free processing. Merchants have the option to opt-out by responding to a letter sent by Unity after their first check is processed. ​ 

Direct Information Loading:

Our platform enables clients to load information directly into the system, eliminating the need for manual data entry and saving valuable time and labor resources.

Groundbreaking Acquisition Optimizes Fund Collection & Distribution