Electronic Check Services

Online Electronic Checks - As online retailing continues its meteoric rise, merchants are searching for more and better ways to handle their customers' online transactions. Many online businesses already offer credit card payment options, but are finding that their inability to accept checks prevents them from maximizing sales.

Millions of Americans prefer to write checks rather than use a credit card. The Online Electronic Check allows online merchants to easily accept and process electronic check payments directly from their website. Customers who wish to pay by check simply select the online electronic check option and enter the requested bank account information. The interface is designed to look like a regular check, so customers will like the easy-to-understand familiarity of this payment option.

Our Electronic Check Clients save up to 50% in processing fees compared to credit cards, eliminate fees for returned Internet checks, access online "real time" reporting on account activity and improve cash flow.

Electronic Check Recovery – Electronic Check Recovery expedites the process of recovering non-sufficient fund checks you receive. Rather than waiting weeks for your bank to return the NSF check to you, the check is entered into a database and re-submitted electronically via the ACH network within 4 days. If the item returns again, our processing center then calls the bank to verify funds before a third and final attempt to collect.

With Electronic Check Recovery you will never have to spend your valuable time and money collecting returned checks. The best thing about Electronic Check Recovery is that there is no collection cost to you. The customer who bounced the check takes responsibility for the cost of collecting the funds, not you!

Our electronic collection process is much faster and more convenient than any other method available, and it will work on any bank within the Federal Reserve System.

With Electronic Check Recovery, you can access your transaction reports via the Internet anytime--24 hours a day, 7 days a week. This online real-time reporting helps you reconcile your bank account and keep track of the money that the system recovers for you.

Electronic Check Conversion - Take advantage of electronic commerce to increase employee productivity and to improve customer service. Electronic Check Conversion converts a traditional paper check into an electronic item at point-of-sale and processes it through the Federal Reserve's Automated Clearing House (ACH).

Electronic Check Conversion saves time and money while reducing the risks of NSF checks. A check is now as hassle-free as a credit card transaction. It's more efficient and secure. And it lets you focus more on your business and taking care of your customers.

Pre-Authorized Checking - Even with the best intentions, some of your customers will have difficulty making every monthly payment to your office on time. You can continue to spend a small fortune on sophisticated billing and collection systems, or you can switch over to one of the fastest growing methods for receiving monthly payments. It's called the Automatic Payment Plan.

The Automatic Payment Plan also includes its own NSF recovery program called Electronic Check Recovery (ECR). If a check or pre-authorized payment is returned for non-sufficient funds, ECR will automatically re-submit your checks electronically -- saving you the time and money of dealing with checks that have been returned. This service will also save you and your customers the embarrassment of having to handle the NSF item in person. ECR is a win-win situation for you and your customers.

Electronic Check Verification - For those merchants who want to be able to verify checks right away without having to wait, our Electronic Check Verification service gets the job done. Normally an integral part of our Electronic Check Conversion, Electronic Check Verification is available as a stand-alone safeguard against potentially bad check writers.

Electronic Check Verification saves time and money while reducing the risks of NSF checks. A check is now as hassle-free as a credit card transaction. It's more efficient than standing there and calling the check writer's bank and wading through a sea of phone prompts. And it lets you focus more on your business and taking care of your customers.