Check verification pricing that scales with you.
Start free with 3 AI verifications, pay a flat $0.50 per verification as you grow, or go Enterprise with volume discounts. No credit card required to begin.
Try AI check verification on your own checks — free.
- 3 free AI verifications
- OCR data extraction
- Basic fraud scoring
- Address verification
- Email support
For check cashers and ACH businesses that need reliable, unlimited verification.
- Unlimited AI verifications
- Advanced fraud detection (7 layers)
- Biometric face matching
- Duplicate check detection
- Routing number validation
- ID cross-reference
- Configurable risk thresholds
- Verification history & reports
- Priority support
For processors and institutions with high-volume check and ACH processing.
- Everything in Business
- Volume pricing discounts
- Dedicated account manager
- Custom API integration
- Bulk check processing
- SLA guarantees
- Custom fraud rules
Prices in USD. Volume and custom pricing available — talk to our sales team.
What each check verification plan includes.
Every plan runs the same AI pipeline — image OCR, MICR and routing number validation, fraud scoring and OFAC screening. The difference is volume, the depth of fraud checks, and how much control you get over decisions.
| Feature | Starter (Free) | Business ($0.50/verification) | Enterprise (Custom) |
|---|---|---|---|
| Verifications included | 3 total | Unlimited, pay per use | Unlimited with volume discounts |
| Check image OCR (payer, payee, amount, date, MICR) | ✓ | ✓ | ✓ |
| Routing number validation (ABA / FedACH) | Basic | Full, with bank name & status | Full, with bank name & status |
| Fraud score | Basic | 7-layer fraud detection | 7-layer + custom rules |
| OFAC / sanctions screening | ✓ | ✓ | ✓ |
| Address verification | ✓ | ✓ | ✓ |
| Biometric face match (ID photo ↔ selfie) | — | ✓ | ✓ |
| ID cross-reference to check & payee | — | ✓ | ✓ |
| Duplicate check detection | — | ✓ | ✓ |
| Configurable risk thresholds (approve / review / decline) | — | ✓ | ✓ |
| Verification history & reports | Current session | ✓ | ✓ plus bulk export |
| REST API access | — | ✓ | ✓ with custom integration help |
| Bulk / batch check processing | — | — | ✓ |
| Per-merchant pricing controls (for processors) | — | — | ✓ |
| Support | Priority email & chat | Dedicated account manager, SLA |
What a verification costs versus what a bad check costs.
Per-verification pricing is easy to budget because it moves with your volume. Here is how the math typically works for the businesses that use Check EFI.
400 checks a month
400 × $0.50 = $200/month. One counterfeit $1,200 payroll check that gets returned costs more than half a year of verifications — before the bank's returned-item fee and the time spent chasing the customer.
1,500 checks a month
1,500 × $0.50 = $750/month. Catching a bad routing number, a closed account or an altered amount before you deposit is what keeps returned items (R02, R03, R04) and bank fees off your statement. See how to lower return rates.
Reselling to merchants
Enterprise pricing includes volume discounts and per-merchant price controls, so you can offer verification as a value-added service and set your own margin on each check. Processor details.
Not sure which plan fits? Start on the free plan with three of your own recent checks — including one you already know was bad — and compare the fraud scores. Upgrading later keeps your history and settings.
Common questions about pricing.
Is there a free check verification plan?
Yes. The Starter plan includes 3 free AI verifications with OCR extraction, basic fraud scoring and address verification. No credit card is required.
How much does Check EFI cost per verification?
The Business plan is $0.50 per verification with unlimited volume and includes advanced 7-layer fraud detection, biometric face matching, duplicate detection and routing number validation. Enterprise customers receive volume discounts.
What counts as one verification?
One verification is one check (front and back images) run through the full pipeline and returned with a decision. Re-opening a completed report, exporting it, or viewing your history does not use another verification.
Is there a monthly subscription or minimum?
No. Business is pay-as-you-go at a flat $0.50 per verification — if you verify 40 checks in a month you pay $20, and a quiet month costs nothing. Enterprise agreements are custom and usually combine a volume commitment with a lower per-check rate.
Am I charged when a check is declined?
Yes — a declined result is the most valuable one. The verification ran, the fraud score and routing checks were produced, and the report is saved to your history so you can show the customer or your bank why the check was refused.
Is routing number or ACH validation billed separately?
No. Routing number and account validation runs inside every check verification and is not a separately billed item. There is no add-on ACH product to buy — the $0.50 covers the whole pipeline.
Do payment processors get different pricing?
Yes. Enterprise pricing includes volume discounts and per-merchant pricing controls so processors can set their own resale margin on every verification. See processor features.
Can I switch plans or cancel?
You can move from Starter to Business inside the app as soon as your three free verifications are used, and you can stop verifying at any time — there is no contract on the Business plan. Your verification history stays available to you.
Ready to Get Started?
Start with 3 free verifications. No credit card required.
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