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.