Check Services

Modern control for check payment activity

Enable partner applications to place stop payments and retrieve check image data through KeyBank’s Check Services API. This API helps organizations manage check-related exceptions, support research workflows, and maintain visibility into check payment activity through a secure API connection.

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Features

Stop payment management

  • Place stop payments using an account number and check number.
  • Stop a single check or a range of checks.
  • Include check amount, issue date, and description details to support stop payment processing.

Check image retrieval

  • Retrieve check data using account number, check number, and process date.
  • Request front and rear check images when an image format is provided.
  • Support multiple image formats, including BMP, JPEG, PNG, TIF, and TIFF.

Check payment research

  • Use check details to support payment investigation and exception handling.
  • Review check image data for operational, reconciliation, or customer-support workflows.
  • Use transaction identifiers and correlation IDs to support traceability when issues occur.

Secure API access

  • Use required credentials, certificates, and permissions to access Check Services.
  • Submit structured requests for stop payment placement and check image retrieval.
  • Receive structured response data for successful requests and error conditions.

Workflow

The Check Services API enables partner applications to submit check service requests through KeyBank and receive stop payment or check image information in response.

Use cases

Place a stop payment on a check

A business can use the Check Services API to place a stop payment for a single check or a range of checks when payment should be prevented.

Research check payment activity

An operations team can use the API to retrieve check data and image information to support payment research, customer service, or exception review.

Support reconciliation and dispute workflows

A finance or treasury team can use check image details to support reconciliation, investigation, and check-related issue resolution.

Important to know

  • All KeyBank APIs require certificates, user credentials, and certain permissions.
  • Stop payments can only be placed between 06:00 a.m. and 11:59 p.m. ET.
  • Stop payment requests require an account number and starting check number. If an ending check number is not provided, it defaults to the starting check number.
  • Check image requests require an account number, check number, and check process date.
  • Multiple image formats are supported.
  • Special characters are allowed when properly escaped, except for the ampersand (&) character.