Deposit your checks with the peace of mind of knowing that they are fully guaranteed

Check GuarAntee

No more collection headaches

By eliminating the risk of accepting fraudulent checks, you also eliminate collection headaches forever. United TranzActions (UTA), the premier payment processing company in the country, will fully reimburse you for any returned checks, taking the responsibility of bad debt collections off your hands!

The process is easy

To process a customer presented check, we offer the following user-friendly acceptance channels:

    - A point-of-sale terminal (provided by UTA)
    - Online approvals from the PC
    - UTA's mobile processing (On iOS and Android)
    - UTA's authorization call center

Deposit your checks with confidence and peace of mind once you receive your UTA approval!

UTA is the best choice for your check guarantee needs

With a 96% approval rate and the highest-average check amount in the industry, UTA’s services will protect your company from fraudulent checks and increase your sales. Its innovative solutions are entirely customizable to best serve your company’s needs.


Cost-effective and flexible programs
Cost-effective and Flexible Programs
API support across  multiple applications and platforms
API Support Across Multiple Applications and Platforms
No transaction fees or call charges
No Transaction Fees or Call Charges
Highest floor limits
Highest Floor Limits
Express payments reimbursement
Express Payment Reimbursement
Most knowledgeable merchant services reps
Most Knowledgeable Merchant Services Reps
Works with your current banking relationship
Works with your current banking relationship
No start-up fees or monthly minimums
No start-up fees or monthly minimums
Detailed billing of monthly activity
Detailed Monthly Billing Reports
Multi-user capabilities
Multi-user capabilities
Live reps available to assist
Live reps available to assist
Multiple methods of using service
Multiple payment acceptance channels
Frequently Asked Questions

Find answers to commonly asked Check Guarantee questions.

additional features

Electronic Authorization

Instant approvals via: POS terminal, mobile device or web application.

Custom Solutions

We can build a solution that meets your exact specifications.

Online Processing

Streamline check acceptance across your organization to reduce overhead.

Flat Rate Programs

Simply pay one flat monthly rate and all of your checks are covered.

Direct Debit Program

UTA’s account is debited for returned checks instead of your bank account.

Integrated Payment Systems

Process payments and receive approvals directly from your internal system.

Hold Check Program

Accept one or more customer checks to be deposited over a specified period of time.

COD/Mail Order Program

Receive a check approval prior to shipment (delivery).

Automatic Approval Program

All checks are automatically approved up to a pre-determined amount.

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our products

Check Guarantee

Eliminates the risk of fraudulent checks and collection headaches.

Credit Card

Providing innovation and technology that optimizes your credit card acceptance program.

ACH Payment

Enables you to accept payments from your customer’s bank account quickly, safely in a secure internet environment.

Online Bill Pay

Empower your company to accept ACH or Credit Card customer initiated payments on your website.

Remote Deposit Capture

Scan your checks for instant bank deposits, with no returns.

Mobile Deposit

Guarantee and deposit your company’s payments anytime, anywhere, 24/7 with UTA’s Mobile Deposit solution.

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