Integrated Payment Solutions

NoCheck provides payment solutions to some of the largest corporations and financial institutions in the world!

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NoCheck Service Capabilities

The NoCheck Group provides enrollment and batch processing integrated with your existing systems.

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Funds Transfer Products

We provide timely transactions and superior security, while lowering processing and data handling fees.

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Administration & Enrollment

NoCheck provides branded transaction portal and call centers, as well as application processing and enrollment

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Security Products

Our robust infrastructure and security protocols ensure a high standard of protection for stored client data.

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Case Studies

Our clients include large entities that require secure data housing, funds transfer and administrative services.

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Automate and Optimize Your Organization's Payments Now

NoCheck provides a unique portfolio of Integrated Payment Solutions to some of the largest corporations and financial institutions in the world! Our payment suite includes a host of funds transfer products, administration and enrollment services, and industry standard security products.

The NoCheck Integrated Payment Suite significantly reduces your transaction processing fees while providing the peace of mind of knowing that your data is protected from hackers and other nefarious characters who want to harm your organization.

Our clients include insurance companies, universities, state & local governments and other entities that require secure data housing, funds transfer and associated administrative services.

  • NoCheck provides compliance and regulatory relief by taking the responsibility for securely housing your sensitive personal and corporate data.
  • NoCheck facilitates the secure bank-grade and regulatory compliant exchange of electronic payments, invoices and data between a clients' customers, banks and vendors.
  • Our Integrated Payment Solutions can significantly reduce transaction processing fees for a wide variety of client requirements.
  • NoCheck is fully PCI-DSS and SOC2 compliant with high-security redundant systems located in the United States. We operate a second, separate processing center in Europe.
  • NoCheck provides administration portals that allow authorized staff to access information and gain critical insights into organizational operations. Administration portal access can by assigned according to predetermined roles and responsibilities.

The NoCheck Group Services Capabilities

The NoCheck Group has developed applications for payers and payees to expedite payments, claims disbursements, rebates, refunds, reimbursements, personal use contribution management (PUCM) and other funds transfer pathways at the lowest possible cost with the highest levels of security.

Our applications systems support rapid insurance claims payments, state workman's compensation, aid to dependent children and unemployment benefits payments and just about any payables requirement for corporations and public sector entities.

Today, our systems facilitate the movement of billions of dollars a year accurately and securely while providing customers with agile and proactive service.

  • 99.99% uptime and a response time of 250 milliseconds.
  • Robust infrastructure that can quickly scale to client's needs due to our large pipeline to the internet and our flexible data centers that grow to meet the needs of our clients.
  • Headquarters in Michigan, USA with separate facilities in Luxembourg providing access to the European market.
  • High security operations that are constantly audited and reviewed for PCI and SOC2 compliance. Our clients include insurance, universities, utilities, state & local governments and other large entities that require secure data housing, funds transfer and associated administrative services.

Funds Transfer Products

NoCheck manages global enrollment and processing for its clients. In addition, we process domestic and international bank payments (ACH, SEPA, etc.), and Domestic and International wire formats, everywhere that financial institutions process these payment types. Using standard products like debit cards, automated bank deposits, electronic checks, PayPal, ApplePay, Google Pay and others, NoCheck provides every method of payment delivery for consumers when your application requires direct to consumer payments.

ACH Processing

  • NoCheck processes ACH payments in cooperation with clients or partnering banks. We provide timely transactions and superior security, while lowering processing and data handling fees. NoCheck receives your client payment file information and matches it with our secure database to create and send ACH files to banking partners in the format that they require.
  • Dual Payment Solutions. NoCheck's proprietary software enables companies to make dual payments to married policy holders, multiple claimant policy holders, repair shops, and construction companies.

Application Payment Processing

  • NoCheck facilitates the secure bank-grade and regulatory compliant exchange of electronic payments between a client's customers, banks and vendors.
  • Our high security operations have been audited and reviewed by financial institutions and industry partners, including full PCI-DSS and SOC2 compliance.
  • Automated Merchant Services
  • NoCheck processes all major credit and debit cards as well as ACH payments. We provide real-time transactions and superior security while lowering processing fees.
bank money image dollar sign in circle arrows

Bill Aggregation and Settlement

  • For some of our clients and to save time and money and to streamline operations, we aggregate multiple payments, sending out one transaction that details multiple payments.
  • We will also sub-divide remittance files to support and provide settlement within multiple operating divisions of an organization as required.

Electronic Bill Presentation & Payment (EBPP)

  • Collect payments quickly and securely via a variety of electronic methods.
  • Easy online access to comprehensive payment and remittance information, saving time and providing valuable business insights.

Administration and Enrollment Products

NoCheck provide branded transaction portal and call centers, as well as application processing and enrollment. We are able to seamlessly integrate with existing corporate processes and workflows.

Branded Transaction Portals

  • NoCheck provides a customized and branded integrated transaction hub, coordinated with the client's website, down to the exact fonts and PMS colors.
  • The end user online experience will be unified, with the peace of mind knowing their sensitive material is being input into the correct website.

Branded Call Center

  • In order to ensure that all customer touchpoints reflect client brand values, our Call Center provides customized service that goes beyond simply answering the phone with the organization's name.
  • The on-shore NoCheck Call Center staff will deliver the level and style of service you require. Our staff will deal with tricky situations such as complaints and enhance long-term relationships with the client's customers.

Application Forms Processing

  • NoCheck provides enrollment and application forms processing with enhanced security validation. We offer secure enrollment services that verify customer data and bank information while maintaining client brand ID.
  • The enrollment and validation processes are transparent to the customer or claimant, who remain within the client's branded ID portals.
  • In addition to applications, NoCheck will process and validate forms such as W-8s and W-9s electronically as required by the client. Customer identification data can be verified in real time, including bank account information and account ownership.
  • NoCheck provides Administration Portals that allow authorized staff to access information and gain critical insights into organizational operations. Administration Portal access can be assigned according to predetermined roles and responsibilities. Authorized staff can search enrollments, payments, distributions and other designated data.

Industry Standard Security Products

Our robust infrastructure and security protocols ensure a high standard of protection for stored client data. Data is encrypted end-to-end from the client's computer to the point of entry into the data storage facility. The NoCheck security protocols employ industry standard AES 256 encryption. These security protocols include the encryption of all incoming and outgoing account numbers. Stored data is also maintained in the AES 256 encryption format.

NoCheck security operations are audited and reviewed for PCI and SOCII compliance annually, the most trusted financial security watchdogs. NoCheck security protocols ensure secure data transmission between financial institutions. To assure the accurate and secure transfer of payments, NoCheck supports ISO, ML and NACHA formats. In addition, we support a wide range of global and local bank formats.



NoCheck security protocols include:
  • File header and file trailer.
  • Batch headers and batch trailers.
  • File record formats such as comma delimited, tab delimited, pipe delimited, fixed length, etc.
Fraud Detection
  • Our sophisticated data analysis tools enable us to track millions of transactions and spot key indicators and patterns to anticipate and quickly detect fraud.
  • We then take immediate action to minimize loss and proactively work with customers to address any issues.
Compliance Protection
  • To make sure you are always compliant and mitigate organizational risk, NoCheck is validated for PCI-DSS and SOC2.
Internet Payment Gateway
  • NoCheck provides full-service processing sites to facilitate the transfer of information between payment portals (website, mobile phone or Interactive Voice Response system) and financial institutions.
  • Transaction data will be sent directly from your customer's browser to our gateway, and directly to the NoCheck database.
  • Payment Card Industry Data Security Standard (PCI DSS) compliance obligations are reduced and customers are not redirected from the client website.
  • We also include pre-processing validation of bank information to deliver accurate and reliable transaction processing, greatly reducing potential errors, reprocessing, and resubmission time.
Fraud Prevention
  • NoCheck runs a proprietary fraud detection system that looks for indicators of account takeover using duplicate enrollment IP address filtering, duplicate bank account filtering and reuse of social security number enrollment.
  • NoCheck has direct access to the "Early Warning System" of the US banking system to validate in real time the owner of the bank account, the identity of the enrollee, and the verification of SSN and EIN data. Validations can be as extensive as including past living addresses and phone numbers.
  • Another optional service is the use of phone number verification for MFA to login to the enrollment site or initial enrollment identification.

NoCheck Integrated Payment Solutions for Our Clients

Our clients include insurance, universities, state & local governments and other large entities that require secure data housing, funds transfer and associated administrative services. NoCheck has the capabilities to serve the following sectors:

  • Financial Institutions
  • Universities
  • Insurance Companies
  • Energy Industry
  • Communications
  • State & Local Government
  • Federal Government
  • Municipalities
  • Construction
  • Technology
  • Music Royalty
  • Transportation
  • Entertainment Events
  • Utilities

Case Study: AFLAC makes faster payments with NoCheck's single sign‑on application.

Aflac and NoCheck teamed up to create a secure, user-friendly enrollment web portal for claims payment. The entire application experience needed to be a single sign-on process for Aflac customers while enabling Aflac to move payments faster. NoCheck designed a Branded Transaction Portal as the solution.

Challenges:
  • Aflac needed fast and secure enrollment and data transaction in order to be able to support their customers.
  • Aflac required 99.99% uptime per the Service Level Agreement (SLA)
Results:
  • The solution provided complete security for Aflac's customers while remaining invisible to them.
  • NoCheck performs monthly upgrades so the system is constantly improving.
  • NoCheck provides 99.99% uptime and state-of-the-art firewalls, including intrusion detection and our new network infrastructure.
  • Aflac named NoCheck 2015 Partner of the Year for Innovation and Technology for our work on this project.
Aflac award
AT&T logo

Case Study: AT&T Increases Electronic Enrollment

AT&T wanted to increase electronic enrollment vs paper enrollment. NoCheck determined that a combination of its Branded Call Center and Application Forms Verification were the solutions that best addressed AT&T requirements.

Challenges:
  • Although customers were given the opportunity to sign up online or over the phone, they preferred paper applications.
  • The applications needed to be opened, sorted, scanned and indexed into a database.
  • The data then needed to be entered and validated.
  • AT&T needed daily reports on the history of enrollments, status of enrollments, incomplete enrollments and enrollment corrections. These reports are made available to AT&T staff via a web application 24X7.
Results:
  • AT&T applications are processed with 99.999% accuracy.
  • AT&T receives the insights they need via the NoCheck Administration Portal.
  • Customers are able to enroll securely using their preferred method — paper applications — and AT&T processes are streamlined.

Get in touch

CALL: 248.621.0900

NoCheck is continuously improving, adding new products and services, white labeling the system and branding it for numerous organizations. We would like to create a new partnership/relationship with you to take this concept to the next level.

To initiate a confidential engagement we highly recommend that you contact our staff to schedule a mutual exploratory conference call.

sales@nocheck.com

The NoCheck Group, LLC

The NoCheck Group, LLC provides a unique portfolio of Integrated Payment Solutions to some of the largest corporations and financial institutions in the world. NoCheck services include a host of funds transfer products, administration and enrollment services, and industry standard security products. Our clients include insurance companies, universities, state & local governments and other entities that require secure data housing, funds transfer and associated administrative services.

  • NoCheck provides compliance and regulatory relief by taking the responsibility for securely housing your sensitive personal and corporate data.
  • NoCheck facilitates the secure bank-grade and regulatory compliant exchange of electronic payments, invoices and data between a clients' customers, banks and vendors.
  • Our Integrated Payment Solutions can significantly reduce transaction processing fees for a wide variety of client requirements.
  • NoCheck is fully PCI-DSS and SOC2 compliant with high-security redundant systems located in North America and Europe.
  • NoCheck provides administration portals that allow authorized staff to access information and gain critical insights into organizational operations. Administration portal access can by assigned according to predetermined roles and responsibilities.

The NoCheck Group, LLC has been programming financial internet applications since 1993. Founded by Charles "Chuck" Kopko, the NoCheck Group, LLC has three decades of experience providing financial services to clients and collaborating with banking partners. Prior to founding NoCheck, Chuck Kopko was Vice-President of Diversitech Image Technology where he managed the sales of document storage systems until 1993. From 1987 until 1990, Chuck was General Manager of micrographic sales at ICS, Inc., a subsidiary of Canon. Before that, he was President of Hobart Mailing Systems.

NoCheck is a service provider for multiple state unemployment payment systems. Our insurance industry clients include Aflac and Zurich. NoCheck received the 2015 Vendor of the Year award from Aflac. Other insurance industry services include workman's compensation and medical provider payments. NoCheck provides payment processing services to major transportation and logistics services, including Wheels, Inc. and CGB Enterprises. We are currently processing EV (electronic vehicle) shared usage payments, an area with significant future potential.

NoCheck partners with major financial institutions such as JP Morgan Chase, Key Bank, and Bank of America for payment processing. This is certainly not the complete roster of NoCheck clients, which also includes communications, real time payments for tickets sellers, and universities.

Chuck Kopko is currently a Work Group Member with the Federal Reserve Business Payments Coalition (BPC). The goal of the BPC is to modernize B2B payments through innovation, reduced manual processes, and lower cost straight-through processing (STP) of invoices, payments and remittance information. These services are all within the NoCheck wheelhouse. NoCheck also participates in the FedNow Service Provider Showcase.