Check Processing and ACH Services

Check Processing - check processing services help merchants avoid trips to the bank for making check deposits and shorten the time required for payment settlement and funds availability. A MICR check character reader or check imager/scanner is used to convert the paper check to an electronic payment transaction or paperless deposit. These devices connect either to an internet-connected computer or countertop credit card terminal.

Remote Check Deposit (Check 21, Remote Deposit Capture) - when checks arrive in the mail, drop box, or collection basket, the use of a dual-sided check imager is used to facilitate a paperless deposit to the merchant's bank account. The imager connects to a computer and simple, browser-based online software controls the scanning and batch submittal process. Once the funds have been acquired from the check writer's bank account, an accumulated, daily deposit is made to the merchant's bank account. All transaction information is securely stored online and the convenient online reporting tools simplify reconciliation. The process eliminates the time and hassle of conducting deposits at the bank as well as bank fees for returned checks. Our plan offers an economical, month-to-month solution with no annual fee and no termination fee. Operates with the reliability and speed provided by the internet and from multiple computers for no extra charge. Video Demonstration.

FREE NSF Check Re-presentment Service - we offer an entirely automated, cloud-based RCK solution for re-presenting returned checks to the check writers bank account. The system is supported by state authorized NSF collection fees that the merchant may elect to add to the face amount of the check. When funds are settled, the merchant receives the entire face value of the check. In addition, a percentage of the NSF collection fee is rebated back to the merchant. There is no sign up fee or monthly fee for this FREE service. Click here for additional details and to enroll online.

Point of Sale Check Conversion - for merchants that accept checks at the point of sale, with the buyer physically presenting the check to the merchant. The buyer must present a valid driver's license for identification and sign a receipt. The merchant must "read" the check with appropriate equipment that is connected either to a credit card terminal or computer and online virtual terminal. In addition to being converted to an electronic payment transaction, the check is verified against fraud and authorized at the time of sale. The optional conversion guarantee further protects the merchant against check bounces due to insufficient funds.

Paper Check Guarantee - Paper Guarantee is a check acceptance service that eliminates the risks of accepting paper checks. Verification and authorization are obtained at the point of sale for face-to-face transactions by keying the check's information into a credit card terminal or virtual online terminal. A check reader or imager is not required since the transaction is not converted to an electronic payment. Paper checks are simply manually deposited into the bank and will be guaranteed if returned unpaid.

ACH Debit - ACH Debit enables merchants to set-up authorized debits from a customer’s checking account. Merchants can schedule debits for a one-time occurrence or for recurring billing. Transaction details are setup using a computer and online virtual terminal.

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