Red Check provides check processing, automated clearing house (ACH), payroll check cashing and prepaid debit card services to small and medium sized businesses and their customers or employees.

The Red Check Payroll program is a leader in the industry and has helped the company rank in the top 20 check processors in the USA over the last 4 years. The program is targeted to the unbanked population and allows employees to register for a check cashing courtesy card without having a valid US driver's license.

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The Bank Secrecy Act (BSA) defines a group of businesses called Money Services Businesses or MSBs that deal with activities such as Check Cashing, Money Orders, Money Transfers, Travelers Checks, Currency Exchange or Stored Value. Businesses involved fully or partially in these activities are required by law to register. To review the registration forms and requirements, please click here

For more information or to visit the official MSB website, please click here

For information on a recent ruling regarding MSB please click here

Additionally, if you are a Payday Loans business, please click here to review Community Financial Services Association of America (CFSA) guidelines.

MasterCard interchange rates are established by MasterCard, and are generally paid by acquirers to card issuers on purchase transactions conducted on MasterCard® cards. Interchange rates are only one of many cost components included in a MDR, and are a necessary and efficient method by which MasterCard maintains a strong and vibrant payments network. MasterCard strives to maximize the value of the MasterCard system, including the dollar volume spent on MasterCard cards, the number and types of MasterCard cards in circulation, and the number and types of merchants accepting MasterCard cards, by setting default interchange rates at levels that balance the benefits and costs to both cardholders and merchants.

Click here to view interchange fees

Visa uses interchange reimbursement fees as transfer fees between financial institutions to balance and grow the payment system for the benefit of all participants. Merchants do not pay interchange reimbursement fees; merchants pay "merchant discount" to their financial institution. This is an important distinction, because merchants buy a variety of processing services from financial institutions; all of these services may be included in their merchant discount rate, which is typically a percentage rate per transaction.

Click here to view interchange fees