NCN Database Benefits For You and Your Merchants 

Extensive Negative File. NCN receives a steady stream of bad check information 24 hours a day 7 days a week from all across the United States, Canada and the Caribbean to provide you with reliable and current information. 

Multiple Database Searches. NCN uses MICR data, drivers license, Social Security number, or a store specific check card to maximize fraud detection. 

91 Risk Management Variables. You can set risk management parameters by store, chain or even by lane within a store. This gives you complete control with powerful flexibility. 

Special Limits for New Accounts. You can set tighter risk management controls or require an ID for first-time shoppers to reduce fraud from the riskiest customers. 

Complete Referrals on Declines. Declined transactions receive a toll-free phone number and company name for a check writer to call and arrange payment, satisfying legal requirements and helping your collection efforts. 

Special Payroll Account Strategy. Grocers and other merchants who accept payroll checks have found the NCN strategy especially useful for reducing payroll check fraud. 

Detection of Duplicate Checks. New technology has led to a dramatic increase in fraudulent duplicate checks. NCN declines duplicate checks to reduce these losses. 

Multiple Communication Options. NCN supports transactions using dial, digital (frame relay, ISDN, or Vsat) or Internet connections to make it easy for your merchants to connect. 

Compliance With Fair Credit Reporting Act

Because NCN provides merchants and their customers with automated referrals on declined checks, it eliminates many customer service issues generated by turndowns.  It allows the customer to contact the agency or merchant responsible for reporting an unpaid returned check.  They can then reimburse the agency and be removed from the negative database. It is essential in a shared database with multiple, independent contributors and it satisfies consumer reporting requirements mandated by law.

Greater Assurance with Optional Databases

NCN has served merchants since 1991 and offers sophisticated decision-making on checks nationwide.  However, nationwide chain stores and high-volume retailers often desire greater assurance before accepting checks.  NCN can now offer supplemental database filters, providing greater protection against returned checks.

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