Abstract: In one embodiment, for example, software for consumer opt-out of payment conversions comprises computer readable instructions operable to identify check data of a physical check at a receiving entity. The software is further operable to compare the identified check data to an opt-out list to determine a match, with the opt-out list comprising a plurality of consumer records and at least a subset of the consumer records provided by an opt-out list provider. The software then, in response to the identified check data not being matched to the opt-out list, authorizes the check for conversion to an electronic payment transaction or, in response to the identified check data being a match to the opt-out list, indicates that the check should be processed by a financial institution without electronic payment conversion.