Check Plus Systems (CPS) has helped merchants accept payments safely and securely since 1978. This site is where you can get help with a declined check, understand a transaction, request a copy of your consumer report, or reach our compliance team.
Consumer questions are handled by phone or through the forms on this page. Please have the date, amount, and merchant name of the transaction ready.
If your check was declined and you were referred to CPS, call this line to learn what information CPS has on file and how to resolve it.
Returned checks and payment arrangements, transaction questions, report requests, and disputes.
If you have a returned check, contact CPS to discuss it. We can help you arrange payment by phone, card, or payment link.
Monday–Friday, 8:00 AM – 5:00 PM Eastern
CPS Guarantee Services, LLC
Attn: Consumer Relations
One Cupsaw Drive
Ringwood, NJ 07456
Many merchants use a check authorization service at the point of sale. The service returns an approve or decline response based on information available at that moment. If your check was declined and the merchant referred you to CPS, we can provide you with the information contained in the consumer report we maintain about you and help you resolve it.
A decline is not a statement that you did anything wrong. It is a risk decision made at the time of the transaction. The authorization service may be CPS or another company; the merchant or the notice you received will tell you who to contact.
If you were referred to a different company, please contact that company directly; CPS does not have access to its records.
CPS processes payments on behalf of merchants. A charge or debit labeled CPS, Check Plus, or CPS-[merchant name] is usually one of the following.
Call 1-877-421-6077 or use the form. Tell us the date, amount, and the exact description on your statement. We will identify the transaction and, if it was not authorized, tell you how to have it reversed.
Please do not dispute a transaction with your bank before contacting us if you simply need to know what it was — we can usually explain it in one call.
CPS maintains check-writing history used to approve or decline check transactions. You may request a free copy of the information CPS has about you, and you may dispute anything you believe is inaccurate or incomplete. Requests are handled under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
Submit the form here, call 1-877-421-6077, or write to the Ringwood address. For your protection we verify identity before releasing a report. We will mail your report to the address on file or the address you verify with us.
Tell us what you believe is wrong and why. Include any documentation (for example, a bank letter showing a check was paid). We investigate and respond in writing, and correct or delete information that cannot be verified.
If you've been declined based on information CPS provided, you are entitled to request this report free of charge.
Opt in to receive updates about an inquiry, payment links, and payment confirmations from CPS. Standard message and data rates may apply. Reply STOP to any text to opt out, or unsubscribe from any email.
Text STOP to any message you received from CPS, click unsubscribe in any email, or call 1-877-421-6077.
Opting out of messages does not affect any amount owed or your ability to call us. Consent to receive text messages is not a condition of any purchase or service.
For partners, data contributors, financial institutions, and consumer reporting agencies that need to verify Check Plus Systems.
Documentation supporting these programs is available to qualified partners on request.
Consumer reporting agencies, banks, and data partners performing due diligence on CPS should contact compliance@cpsguarantee.com with the name of the requesting organization, the purpose of the review, and the specific documents needed. We respond within two business days.
CPS has helped retailers and billers of every size accept payments safely and securely since 1978. Contact our sales team to learn more.
Information submitted on this site is used only to respond to your request and to maintain the accuracy of our records. We do not sell personal information. Information in our consumer files is furnished only for purposes permitted by the Fair Credit Reporting Act. Please do not send full bank account, card, Social Security, or driver's license numbers through this site; we will ask for what we need by phone or mail. Questions about privacy may be sent to compliance@cpsguarantee.com or to the Ringwood address above.