Retail to Consumer

 Verification Services 

Verification ServicesStop returned checks and bounced ACHs before they happen with ArJay Data's Bank Network, ID Verification, Funds Verification, and Check Verification services which access the nation’s most powerful financial databases! ArJay Data has provided these services for more than 20 years to over 100,000 retailers across the US. Our verification services let merchants identify their customers, determine if they have any bounced ACH/check payments, as well as verify their bank account status and balance.

How does the Bank Network Work? When you join the network, you have access to the best available data regarding the actual bank account. The Bank Network will confirm whether the account is open, has a positive balance, has any stop payments, as well as any reported lost or stolen checks.

Professional identity thieves continue to develop methods of increased sophistication, but at the same time, basic methods of identity theft continue unabated. As the tactics utilized for fraud advance, the types of accounts and services being stolen continue to expand. Every individual and business is vulnerable to fraud when it comes to personal or company information. With the use of ArJay Data’s ID Verify you’ll have the ability to accurately determine the level of fraud risk to your business.

Do you require a deeper look into your customer’s financial status and history? ArJay Data’s Funds Verification service has real time access to over 20,000 financial institutions worldwide. We are able to provide invaluable financial data for lenders, e-biz, and high end retail. The service instantly verifies and includes transactional data/bank statement details for up to 90 days, income verification, credit sourcing, SSN verification, address details, and custom score-able decisioning.

How does Check Verification work? When you join the network, you have access to the largest databases of known bad check writers in existence.  You can cut your check losses by up to 75% by verifying your ACH and check transactions against 13 million current unique records from over 71,000 locations across the country.


GuaranteeA check guarantee service can be a simple and economical way to increase revenue at your place of business. With a guarantee service in place, checks are approved at the point of sale in seconds via terminal, phone or internet before being deposited at the bank. If an approved check is returned from the bank unpaid, it can be submitted for processing and reimbursement.

With ArJay Data’s Check Guarantee service you will receive these benefits:

  • Approval of out-of-town, out-of-state, even checks from Canada and US territories
  • Simple claim submittal. Just mail in a returned check via a claims processing envelope
  • 24/7 Customer Service for account questions, technical support, set-up and training at no additional charge
  • Premium programs for the protection you’ll need and want

Credit Card Processing 

Accept payments however and wherever your customers want to pay! ArJay’s Payment processing lets you process your payments in-store, online, and on the go, so you can accept nearly unlimited combinations of payment methods and currencies from nearly any device.  ArJay offers exceptional security and fraud prevention and provides access to consolidated reporting and analytics. 

Credi CardsProducts and services include:

  • Payment Terminals
  • Integrated Point-of-Sale
  • Mobile & Tablet Point-of-Sale
  • Virtual Terminal
  • Recurring Payments
  • Hosted Payment Pages
  • Online Shopping Carts
  • Multi-channel Payments

Contact us today and we will provide a free analysis of how much you’re paying now and how much money we can help you save every time your customers swipe their credit cards!

ACH Processing 

ACH ProcessingDirect Deposit allows payers to directly deposit into a payees’ bank account via Electronic Funds Transfer (EFT). There are no hassles of writing out checks and mailing them, everything is done online and electronically. Direct deposit benefits merchants who pay out residuals for their affiliate programs, saving both time and money.


  • No waiting for the mail
  • No lost or damaged checks
  • No holds are placed while waiting for a check to clear
  • Reduces check preparation and bill payment costs
  • Incentive and convenience for employees

Alternative Credit 

As America’s premiere alternative credit report on consumers, the PRBC Credit Report allows businesses to evaluate the relative risk, credit worthiness and ability to pay of applicants who trigger a ‘not hit’ or ‘thin file’ responses when a traditional credit report is requested.

As a supplementary data set to traditional credit reports, The PRBC Credit Agency reports on and applicant’s payment habits as concerns other expenses and obligations in their lives including:

  • Rent
  • Utilities
  • Mobile phone accounts

Alternative CreditThe PRBC Consumer Report returns decision-critical information such as:

  • PRBC Score for alternative credit risk scoring
  • Alternative credit trade lines (i.e. rent, utilities, short term loans, etc.)
  • Banking inquiries
  • Positive and negative retail bank transaction items
  • Bank account closures
  • Bankruptcy, lien, judgment and eviction records
  • Real property ownership
  • Personal identifying information (i.e. SSN, DOB, DL number, aliases, phones)
  • Current and previous address history
  • Identity verification attributes

About 100,000,000 Americans have little or no credit history on file with the traditional credit bureaus, yet many of these people are responsible consumers with steady incomes. The PRBC Consumer Report allows businesses to pre-screen and evaluate often-overlooked potential customers. In doing so, your business can tap a huge potential market.

The PRBC Consumer Report is used by many industries including retail finance (furniture, jewelry), rent-to-own finance, buy-here-pay-here auto finance, tenant screening and residential service screening (security alarms, water delivery, etc.).

Short Term Lending

Short Term LendingWhen many business owners think of business loans, they think of a traditional 5-10 year term loan from their local bank. In recent years, however, short-term business loans have become an increasingly popular tool for business owners to quickly take advantage of opportunities and handle obstacles that may come their way.

ArJay Data is pleased to offer short term lending services that will afford you the strategic advantage needed in today’s business environment.


  • Higher approval rates than long term banking loans
  • Flexible loan terms
  • Greatly expedited loan process compared to traditional banking loans
  • Flexible payment plans