CrossCheck Launches Enhanced Pay-by-Link Solution with Guaranteed ACH Payments and Modern Fintech Experience

PETALUMA, CA – CrossCheck, a trusted leader in payment risk management, recently announced the launch of its enhanced Pay-by-Link platform. Powered by a Plaid integration, the solution enables merchants to send secure payment links via SMS or email—combining a frictionless, mobile-first experience with CrossCheck’s industry-leading payment guarantee.

As businesses move away from rising credit card fees and high-friction manual entry, the demand for secure, instant bank-to-bank options is accelerating. CrossCheck’s enhanced Pay-by-Link solution meets this demand by allowing customers to log into their bank and pay instantly, eliminating the need for manual routing and account number entry. Customers simply tap a link, select their bank, log in securely, and complete payment in seconds, with no manual entry required. This approach is especially valuable for businesses handling high-ticket transactions, including auto dealerships, home improvement providers, furniture retailers, veterinary services, and aftermarket specialists.

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“This is a major evolution for CrossCheck,” said Tiffany Lucas, SVP of Product Development at CrossCheck. “We have taken the simplicity and convenience customers expect from modern fintech experiences, where they link their bank and pay instantly, and paired it with the protection merchants rely on from us. The result is a powerful pay-by-bank solution that drives conversion and includes real-time validation, all while eliminating payment risk.”

A Modern Pay-by-Bank Experience

The modernized platform replaces traditional, clunky ACH entry screens with a streamlined, guided experience designed to improve customer trust. Merchants can now:

• Send secure payment links directly via text or email.
• Link and Pay Instantly: Customers securely connect their accounts in seconds using their existing bank credentials.
• Streamline Billing: Merchants can upload branded invoices directly to the payment request, allowing for a mobile-first, one-touch checkout.
• Full Visibility: A transparent dashboard provides real-time validation and tracking for every transaction.

Guaranteed Payments Meet Modern UX

Unlike typical pay-by-bank solutions that shift risk back to the merchant, CrossCheck continues to stand behind every approved transaction. By integrating Plaid’s real-time bank authentication with CrossCheck’s proprietary risk intelligence, the platform ensures:

• Zero Merchant Liability: CrossCheck assumes the loss if a payment is returned or disputed.
• Real-Time Validation: High-speed account authentication reduces fraud and unauthorized returns.
• Faster Conversion: Fewer fields and a faster checkout experience lead to higher payment completion rates.

“Businesses are tired of seeing their profits eroded by high credit card fees,” added Lucas. “With our enhanced Pay-by-Link solution, we’re not just lowering costs—we’re eliminating risk. Merchants can now offer a modern, seamless pay-by-bank experience with the confidence that every approved payment is guaranteed.”

To request a demo and learn more about CrossCheck’s Pay-by-Link solution, visit the CrossCheck website.

About CrossCheck

Founded in 1983, CrossCheck is a leading provider of payment guarantee and payment solutions, helping businesses reduce risk and improve payment performance for over four decades. Headquartered in Petaluma, California, with a second location in Southlake, Texas, CrossCheck combines advanced risk intelligence with modern payment technologies to deliver secure, high-performance payment experiences across both digital and traditional channels.

For more information, visit the CrossCheck website or video explanation at: ACH with Open Banking

Media Contact Christina McGarr, Director of Marketing

CrossCheck, Inc.

Email: marketing@cross-check.com

Topics: Auto Dealerships, ACH payments, FinTech