The Retail Merchants Association, also known as RMA, provides a range of services for merchants. Established in 1923, it offers credit information services to clients through Equifax. The association provides InstaChek, which is a check collection and protection package that offers cost-effective means for merchant s to handle insufficient checks without pursuing check writers. The Retail Merchants Association also offers a variety of check verification equipment for merchants. It provides automated collection systems that offer information on storage and reporting requirement related to the process of collecting past due accounts. The association s staff members specialize in collections, systems operations, sales, public relations and other business operations. The Retail Merchants Association is a member of the CheckUp Check Authorization Network.