Unpaid checks

When cancelling an unpaid check on a payment account, a technical flow takes the amount due from the payment account to which the check was originally credited plus the management fees from your SC account. If the payment account to which the check was originally credited no longer has the amount, the unpaid check amount is debited from your SC account as well.

In the case that your payment account (SC) does not have a sufficient balance to cover the management fees and the debt, the debt cannot be recorded. We will contact you to ask you to add credit to your account.

The original bank documents are sent to the partner by tracked post.


The unpaid bills of your customers, as well as the associated costs, are therefore all and without exception at your expense, as stipulated in your contract.


Reasons for a check to be rejected

In the vast majority of cases, an unpaid check is due to a lack of funds in the bank account.
It may also be due to other less common cases, such as:

  • Opposition
  • Loss
  • Theft
  • Fraudulent use
  • Receivership
  • Judicial liquidation

The non-compliance of a check due to crossing-out, forgery or forgetting to sign it may explain the rejection of the check.


Time limit within which a check can be unpaid

Unpaid checks are reported by the bank several days after the check has been cashed. A non-payment on an NSF (Non-Sufficient Funds) check can occur within 8 working days. This period depends on the debited bank but corresponds to what most banks do.

On the other hand, in the event of opposition, the deadline is 60 days.


Declare a bad check

We only process checks issued by French banks.

For more information on the receipt of bad checks, we invite you to consult the article of the 👉 French Public Service


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