Does Rite Aid Use Telecheck or Certegy? (Your Full Guide)

Most retailers use Telecheck or Certegy to verify all checks used at their stores. These services check to ensure that checks aren’t fraudulent, and prevent retailers from being victims of fraud.

However, there are slight differences between them, with consumers having separate problems with each. To find out which one Rite Aid uses, keep reading!

Does Rite Aid Use Telecheck or Certegy In 2022?

Rite Aid uses Certegy to verify all checks cashed in its stores in 2022. This isn’t much of a surprise, considering that Certegy is one of the largest check verification services in the United States. However, many consumers have problems with this company, largely because Rite Aid isn’t the best keepers of records.

To understand how Certegy works and how to bypass a turned down check, keep reading for more useful information!

What Is Telecheck and Certegy?

To verify checks, many companies use Telecheck and Certegy. In many cases, this process works well, and helps protect Rite Aid from bad checks.

However, there are also several problems reported with these services.

Sometimes, a particular consumer may find themselves having consistent problems, which is one reason some may look for locations that don’t use these services.

Certain banks and check formats tend to have problems.

While both of these companies are similar, they are used by different retailers. Both companies are used by all sorts of retailers and stores.

There are also a few other similar services, though these are not as widespread as Telecheck and Certegy.

Both Certegy and Telecheck use “predictive models” to help look for fraudulent activities. Therefore, this system is not perfect, and mstakes do occur.

Luckily, you can contact either company to help verify that your check is real.

Or, you can use your check at a company that doesn’t utilize these systems.

Why Did Certegy Decline My Check at Rite Aid?

Why Did Certegy Decline My Check at Rite Aid?

Certegy is not a perfect system. It uses predictive AI to determine if a check is fraudulent. While this does protect Rite Aid from fraud, it is not always foolproof.

Usually, Certegy will decline a check if the check-writer has a negative history in the system.

If someone submits a bad check once or twice, they are likely to get flagged and have the checks declined in the future.

If you don’t have a history of writing bad checks, it is possible that someone has written a bad check in your name.

In this case, you may want to contact Certegy to clear up the error and fight identity theft.

Sadly, even if you successfully fight the fraudulent activity, Certegy may still flag your account as a risk, simply because the company is afraid someone else is trying to commit fraud.

Secondly, Certegy may flag your checks if you’ve never used its system before.

Sadly, there isn’t much you can do in this case. Typically, this is more of a problem with more expensive purchases.

A lack of history is the primary reason that they deny checks, however.

There are other high-risk factors as well, which aren’t all known to the public. For instance, the device that you write the check on may matter, as is the store you’re using the check at.

Or, perhaps you’re writing a check from a questionable financial institute.

How Do I Bypass Certegy?

If you’re having problems with Certegy, your best bet is to go to a store that does not use it. There are quite a few available, so you aren’t forced to use this system.

You may also want to try reviewing the information Certegy has on you, which may be linked to why the company is denying your checks.

You have a right to dispute all information. So, if there is anything wrong, you can get it fixed.

In fact, wrong information is a known problem with Certegy.

If you continue to have problems, you can contact a consumer protection attorney, who can challenge the company’s denial for you.

To know more, you can also read our posts on whether or not Rite Aid accepts GoodRx, if Rite Aid accepts Apple Pay, and if Rite Aid accepts Tricare.

Conclusion 

No service is perfect, including Certegy. While Rite Aid does utilize this verification service extensively, it does have some false positives. Luckily, customer service at Certegy can help you get around these problems.

Certegy’s complete list of high-risk factors is unknown, so we don’t know exactly what makes them flag a check as suspicious. However, it usually has to do with a lack of activity, which simply means that you haven’t passed a check through them before.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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