What is the Certegy collection agency?

Certegy is a check risk management company. Merchants who are clients of Certegy accept Certegy's decision regarding whether to accept or reject any specific check received in payment for goods or services.

Certegy does not use an individual's credit score when accepting or rejecting a check. Instead, Certegy keeps a database of check writers and uses that information to reject or accept checks on behalf of merchants. Certegy sometimes verifies a checking account balance before advising whether to accept a check, but it can only do so during business banking hours. Certegy rejects approximately 2 percent of the checks it processes per year, and its rejections cannot be overridden by the merchant.