Smart Check allows payers to complete payments directly from their bank account using their account and routing numbers. This option provides an alternative to card or bank-to-bank payments.
This guide walks you through the full Smart Check experience—from invoice email to confirmation receipt.
What to expect
- The payment is processed as an ACH transfer
- Funds may take 3–5 business days to clear
- The invoice status updates to Paid once funds settle
Processing Payment with Smart Check
1. Open Your Invoice Email
- Look for an email from your merchant listing your open invoices.
- Select one or more invoices you’d like to pay, then click Continue.
Example: You’ll see a list of invoice numbers, amounts due, and due dates.
2. Choose Smart Check as Your Payment Method
- On the payment screen, enter your billing account email address.
- Select the Smart Check tab alongside other payment options like Bank, Card, or ACH.
3. Upload or Scan Your Check
You have two options:
Option A: Scan a Check Using a QR Code
1. Use your smartphone to scan the QR code shown on screen.
2. Follow the prompts to take a photo of your check on a flat, well-lit surface.
3. Review the image and tap Initiate Scan.
4. The system will extract the payment info automatically. Review and Submit.
5. Back on your desktop, click Pay, then Confirm and Pay.
You’ll receive an email confirmation and receipt.
Tips
- Accepted image formats: PDF, JPEG, PNG, HEIC (max 2MB)
- Ensure check information is clearly visible for faster processing
Option B: Upload a Check File from Your Computer
1. Click Upload, then choose the check file stored on your device.
2. After selecting the file, click Upload again to submit it.
3. A window will appear with the extracted check details.
4. Click Pay, then Confirm and Pay.
Your payment will be processed, and a receipt will be sent to your email.
Payment Confirmation
After completing the steps:
- You’ll see a confirmation screen summarizing your payment.
- A receipt will be automatically emailed to the address you entered.
Need Help?
If you have an issue or have questions about using Smart Check, reach out to Support.