Online Check Processing

Check Processing

Millions of people conduct business on the Internet, from buying and selling goods and services to paying bills and much more, and most pay with a credit card. But research shows that nearly one-third would rather pay with checks. And for the millions of people in the U.S. that don't have a credit card (although most have a checking account), the door is closed for them when it comes to conducting business on the Internet... until now.

Electronic checks look just like paper checks except it's all online. Our online check processing system converts checking account information into an ACH-formatted transaction for an electronic funds transfer, debiting the consumer account and crediting the merchant account.

Checks go through a fraud screening process prior to submission into the ACH check processing and clearing system.

Features/Benefits

Eliminates paper checks - Check processing is completed electronically, rather than sending a payment by mail.

Improve cash flow - Funds can be settled within 24 hours, compared to the delays due to mail delivery times and the longer check processing and clearing times associated with paper checks. Card & Check Services electronically debits the customer's account and transfers the funds into your account for products, services or registrations provided by your business.

Reduce costs - Many studies have shown the high labor costs associated with processing paper checks. PayGate is designed to streamline your payment processing, thereby reducing associated costs.

Online fraud protection - Two online fraud operations take place prior to check processing and submission to the ACH. ID verification and risk management services are provided.

Proven system - Card & Check Services processes with ACH Direct, one of the nation's largest Internet check processors. The Card & Check Services Virtual Terminal permits merchants/businesses to process and authorize check transactions received by mail order, telephone order (MOTO), fax and other "person-not-present" orders.

To begin the check application process, please print this PDF file, Merchant Application, fill-in all fields, sign, and fax to the attention of Merchant Services at 518-583-3969.