No scanner · no terminal · no hardware at all

Your phone is now the scanner. the terminal. the teller.

With Checkdepo, any phone can read a check, take the payment, and confirm it's approved — on the spot, wherever you are. No hardware, fewer write-offs, cheaper than credit.

CHECK · #2079READING
Routing✓ verified
Account✓ verified
Amount$230.00
ApprovedClear it electronically
1.8s
Any phone — no hardware Verify on the spot, wherever you are Costs less than credit cards
How it works

Three taps. One clear answer.

No card reader, no scanner, no install. Your staff uses the phone in their pocket.

01

Snap the check

One photo. Checkdepo reads the whole check, including the machine-printed line at the bottom that identifies the account.

02

Confirm the amount

Type the amount from the check. We cross-check it against our own read — catching errors before anything's authorized.

03

Get the decision

Seconds later, Checkdepo tells you exactly what to do — and texts the decision so you keep a record.

Why Checkdepo

No terminal. No scanner. Just your phone.

Everywhere you take checks away from a register — now you can verify them on the spot, before you take them.

Nothing to install

Any phone, anywhere

No check scanner, no card terminal, no app to install. Open Checkdepo on any phone and take a check on the spot — in a truck, at a desk, across a counter.

Fewer write-offs

Verified before you take it

Every check is checked and authorized up front, so you stop accepting the ones that would have bounced — and stop writing off bad checks.

Lower cost

Cheaper than credit

The total cost of taking a check through Checkdepo comes in below what you pay to accept a credit card — even with a full guarantee.

Built for

Whether you take checks daily — or twice a year.

Checkdepo works anywhere the register isn't, for anyone who takes a check now and then.

Field & mobile

Delivery, trades, repair, service calls, route sales — take a verified check right where the work happens.

Service & courtesy desks

Returns, bill pay, and check cashing at the desk — verify before you hand out cash or credit.

B2B counters

Taking checks from business customers, wholesale, or standing accounts — authorized on the spot, every time.

The occasional check

Don't normally take checks? Sign up free and use it only when you need to — no hardware, no monthly fee, no reason to ever turn a check away.

Simple to operate

Clear instructions, every time.

No training, no judgment calls. Checkdepo tells your staff exactly what to do with the check in their hand.

Approved

Take it

The check is good. Keep and deposit it — or hand the paper back while it clears electronically. On the guaranteed plan, you're covered even if it comes back.

Declined

Don't accept it

The check didn't clear. Hand it back and ask for another form of payment — before it becomes a returned-check problem.

Needs a second look

Answer in under a minute

Occasionally a check needs a quick review. Hold it, and a clear take-it or don't comes back to your phone in under a minute.

100%
Guaranteed option available
< credit
Every tier, incl. guarantee
$0
Hardware to buy
3
Ways to submit
Choose your level

Pick your protection. All of it beats credit.

Three levels of service — from simple verification to a full guarantee, every one cheaper than a credit card. No hardware, no monthly minimum — pay only when you take a check.

Authorize
Know it's good
  • Read & verify the check
  • Instant take-it or don't decision
  • Fewer bad checks, fewer write-offs
Less than credit
Authorize + Clear
Skip the bank
  • Everything in Authorize
  • Clears electronically — funds to your account
  • Hand the paper back to the customer
Less than credit
Guaranteed
Fully covered
  • Everything in Authorize + Clear
  • Approved checks are guaranteed
  • If one comes back, you're made whole
Still less than credit

Even our fully-guaranteed tier costs less than accepting a credit card.

However you work

Snap it, text it, or call it in.

The same instant decision, on whatever's easiest wherever you are.

Snap & go

Tap the Checkdepo icon on any phone, photograph the check, get your answer. Nothing to install.

Text it in

Text a photo of the check, get the decision right back as a reply. Fits any counter workflow.

Call it in

No smartphone handy? Call, read the numbers off the check, and get authorized over the phone.

Get started

Never turn away a check again.

Turn any phone into a check terminal. Sign up free, pay only when you use it — no hardware, fewer write-offs, and a lower cost than credit, even guaranteed.

Request access →