Move Money
Forward.
Without Checks.
The enterprise payment platform trusted by Aflac, AT&T, and leading institutions to move billions — securely, instantly, and at scale.
Trusted by the companies that can't afford to get payments wrong.
Banking Partners
Years in Business
Processed Annually
Uptime SLA
Response Time
Continents — US + EU
Banking Partners
Preferred service provider since 1996 · Aflac Partner of the Year · Federal Reserve BPC Member
Paper Checks Cost More Than You Think.
Every check your organization sends carries hidden costs — printing, postage, manual reconciliation, fraud exposure, and the operational drag of waiting days or weeks for funds to land.
The average paper check costs $4–$12 to process. Multiply that across thousands of disbursements per month, and checks become one of the most expensive line items in your payment operations.
Meanwhile, check fraud continues to accelerate. Recipients wait. Support teams field “where's my payment?” calls. And finance teams burn hours on manual reconciliation that should take seconds.
Your payments infrastructure shouldn't be a liability.
Cost per disbursement
+ 7–14 day delivery · fraud exposure · manual reconciliation
Instant delivery · fraud-protected · full audit trail
Days by check
By NoCheck
The Proven Way to Move Money.
NoCheck replaces outdated check workflows with a secure, multi-rail digital payment platform — giving recipients immediate access to funds while eliminating cost and complexity from your operations.
Every payment method. One platform.
Recipients choose how they receive funds. You choose how fast you want to move.
Enterprise-Grade for You.
Instant for Your Recipients.
For Your Operations
Integrate Once
Connect via API, secure file upload, or our branded dashboard. NoCheck slots into your existing systems — no rip-and-replace.
Automate Processing
Payments are validated, fraud-screened, and routed across the optimal rail automatically. Our proprietary fraud detection catches bad actors before funds move.
Track Everything
Real-time reporting, full audit trails, and role-based administration portals give your team complete visibility into every transaction.
For Your Recipients
Get Notified
Recipients receive a secure, branded notification via email or SMS — consistent with your organization's identity.
Choose Their Method
They select their preferred payout option from the full menu of payment rails — from ACH to digital wallets to prepaid cards.
Receive Funds Instantly
Money arrives in minutes, not days. No checks to deposit. No waiting. No calling your support team.
More Than Payouts. A Complete Payment Operations Platform.
Most digital payout tools stop at sending a link. NoCheck is the full infrastructure layer.
Branded Transaction Portals
Fully white-labeled payment hubs — your fonts, your colors, your domain. Recipients never leave your brand experience.
Branded Call Center
On-shore, US-based call center staff trained to represent your brand. Not a generic outsourced line.
Enrollment & Forms Processing
Secure enrollment with real-time identity and bank account verification. W-8, W-9, and EIN validation built in.
Administration Portals
Role-based dashboards for authorized staff. Granular access controls aligned to your org structure.
Multi-Rail Orchestration
Route payments across ACH, RTP®, FedNow, SEPA, wire, debit, prepaid, and digital wallet rails — automatically.
Prepaid Card Disbursement
Reach unbanked and underbanked recipients. Critical for government benefits, insurance claims, and university refunds.
Dual Payment Processing
Proprietary software for complex disbursements — multiple claimants, multi-party settlements, repair shops, and payees.
e2check
Our consumer-facing electronic check platform extends NoCheck infrastructure to direct-to-consumer payment delivery.
Bank-Grade Security.
Audited Annually.
We don't just say we're secure. We prove it — every year, to the most demanding auditors in financial services.
PCI-DSS Compliant
Payment Card Industry Data Security Standard validated annually.
SOC2 Compliant
Independently audited controls for security, availability, and confidentiality.
HIPAA Compliant
Protected health information handled with required safeguards for healthcare data.
AES 256 Encryption
End-to-end encryption from your system to our data vault. All stored data encrypted at rest.
Proprietary Fraud Detection
IP filtering, duplicate detection, SSN monitoring, and Early Warning System verification.
Dual Infrastructure
Primary data center in Michigan. Secondary processing in Luxembourg, EU. Always on.
Proven Across the Industries That Matter Most.
Also serving: Energy, utilities, communications, construction, music royalty, and federal government.
Don't Take Our Word for It.
Client
Aflac
The Challenge
Aflac needed a secure, single sign-on enrollment portal for claims payments — fast enough for their customer expectations, invisible enough that policyholders never left Aflac's ecosystem.
The Results
System Uptime
- Branded Transaction Portal seamlessly integrated into claims workflow
- State-of-the-art firewalls with intrusion detection
- Named Aflac's 2015 Partner of the Year for Innovation and Technology
Client
AT&T
The Challenge
AT&T wanted to increase electronic enrollment rates versus paper applications. Customers preferred mailing paper forms — requiring opening, sorting, scanning, indexing, data entry, and validation.
The Results
Processing Accuracy
- 24/7 access to enrollment status, history, and corrections
- Real-time reporting through dedicated Administration Portal
- Customers served through preferred method without sacrificing operational efficiency
30+ Years of Moving Money Forward.
The NoCheck Group has been building financial internet applications since 1993. Founded by Charles “Chuck” Kopko, we've spent three decades earning the trust of institutions that demand the most from their payment infrastructure.
Today, our systems facilitate the movement of billions of dollars annually — accurately, securely, and with the kind of agile service that enterprise clients expect from a true partner, not a vendor.
Federal Reserve Partnership
Chuck Kopko is a Work Group Member of the Federal Reserve Business Payments Coalition (BPC), working to modernize B2B payments through innovation and lower-cost straight-through processing. NoCheck is a FedNow Service Provider Showcase participant.
Banking Partners
Global Infrastructure
USA
Michigan
Primary Data Center
EU
Luxembourg
Secondary Processing
Eliminate Checks. Join the Companies That Already Have.
Aflac did it. AT&T did it. Multiple state governments did it. Major health plans did it. Your organization can move billions faster, safer, and cheaper — starting with a conversation.