First Data , TeleCheck Humiliated and embarrassed my son for no reason Houston Texas

But I think they like nice round numbers. Like in increments that they sell their gift cards.

I had an issue with one my prepaid cards and they told me when they run the card it tries to authorize in certain dollar increments. Most of the time the minimum purchase is $5 at most stores. I don't know what these people know that we don't but I wish they would tell us.

I should note the opposite to Telechek costs - if they accept a check and it returns, they are liable for the check loss and not the merchant. They are providing protection to the merchant for "theft of service/product by check fraud" while the merchant doesn't have to write-off the loss - Telechek incurs the loss and the responsibility to recover the lost funds.

Telecheck and some other check processors are not set up to ping your checking account to see if the account is open and funded. All the service does is check its database of other Telecheck merchants to see if you the check writer has written bad checks to other Telecheck merchants in the last few years. If you have, you'll de declined everywhere that accepts Telecheck regardless of your account balance. Because your son had a new checking account, the scanner likely picked up the low check number and declined based on newer accounts having higher risk of problems. Further, Telecheck often also assigns a percentage rating to its merchants whereby perhaps 15% of transactions will decline even with no negative history because... Telecheck charges merchants for declines so it's a profit for them most merchants aren't aware of.