• Merchant manually enters check information into terminal
• No check readers are needed
• Merchant writes the approval code on all checks
• Merchant deposits all checks into checking account
• You may apply for the NSF Check Recovery Program to collect NSF checks

TRADITIONAL PAPER CHECK GUARANTEE PROGRAM

• No check reader required - use your existing terminal
• No conversion services, just deposit your customers check into your bank account
• If NSF returned, processor reimburces face value of check within 30-days

LOCKBOX PROGRAM - Non face-To-Face Programs

• Reduce time spent handling paper checks
• Electronically process checks received via mail or drop-box
• Process approximately 30-45 checks per hour per station
• Funds are electronically deposited into your account
• Eliminate trips to the bank with the ACH conversion of funds

ACH PROCESSING PROGRAM

• Check-Not Present program
• Enter check data in terminal or Virtual Terminal Software
• Obtain customer check information via phone or internet
• Automated accounts receivables process Funds are electronically deposited into your account
• Small or large check volume merchant plans available
• Single entry or recurring debit transactions