Recommended Check Guarantee, Conversion, and Verification Providers

Were you ever humiliated by a Merchant who refused to accept your check payment? If you stuck around long enough to find out why, you probably heard something to the effect that it was 'too risky' and/or 'too expensive'. This from a Merchant would would probably have been very happy to accept a card for credit payment processing and not think twice about it, even though in reality the check would have been MORE secure and LESS costly for the Merchant to process than the credit card! And the poor guy ended up losing a sale and probably a customer to boot.

There us no reason for this sad saga to occur for your business, regardless of whether you are an ecommerce merchant, retail account merchant, mobile merchant, or whatever.There are a number of innovative and reputable Check Services providers and solutions such as EZ Check and echecks.net available for Merchants in need of the ability to safely accept checks from their customers to choose from. We recommmend that any Merchant in the market for these services abide by the following safeguards:

• the provider should have sufficient resources and history of paying claims in a timely and dependable manner.
• the provider should have a proven long-term track record in the industry
• the provider should have a selection of different solutions customized for the many different Merchant types it serves, not a "one size fits all" approach

With these criteria in mind, here are some highly recommended solutions which should be carefully selected based on the way that YOUR individiual business operates:

E-Commerce Checks: A must for all e-commerce internet merchants, e-checks provides a secure system in which Merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through a Virtual Terminal. By accepting electronic e-checks, the Merchant expands the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

Benefits of E-checks:

E-check capability is an abolute MUST for any internet e-commerce merchant.

Telephone Guarantee: Merchant obtains check Guarantee using only a touch-tone telephone, no costly extra equipment necessary. Any guaranteed item returned NSF by the bank is reimbursed to the Merchant.

Benefits of Phone Guarantee:

• limos/taxis
• a/c, heating, plumbing
• tow trucks
• home services such as pool, pest, landscape
• trade show and flea market vendors
• home inspection companies
• glass companies, locksmiths, carpet cleaners
• mobile merchants of all kinds
• any start-up business on a budget

Paper Check Guarantee: An easy to learn retail point-of-sale process usually integrated into the Merchants existing credit card machine, works with or without low cost optional check reader device. Once approved, payment to Merchant is guaranteed, allowing the Merchant to increase sales without increasing risks or driving valuable customers to competitors resulting from "No Checks Accepted" signs.

Benefits of Paper Check Guarantee:

• any retail business with average sale greater than $25
• high-volume businesses in need of fast effecient check-out
• automobile services of all kinds
• high ticket merchants such as furniture and jewelry

Check Guarantee with Conversion All the benefits of Paper Check Guarantee (see above) combined with the speed, ease, and enhanced safety of electronic processing. In fact, almost exactly like accepting a credit or debit card at the point-of-sale. The check is converted to a paperless transaction by electronically moving funds from the customer's bank account to the Merchant's bank account. Conversion is also available without Guarantee.

Conversion with Guarantee is ideal for:

Check Verification and Collection: The lowest priced of all check services, Verification provides Merchant with access to national database to find out if the writer has any outstanding unpaid items in the system. If the check is returned to the Merchant, collection services are made available to the Merchant who receives funds for the check upon successful collection.

Verification is ideal for Merchant who:

Telephone Check Conversion: For non face-to-face transactions, this economical system provides Merchants with a fast and secure system to allow their customers to pay by check over the phone. Requires only a PC with internet access, no additional processing equipment needed. Approved transactions are converted to electronic funds transfer (EFT) transactions for deposit directly to the Merchant's checking account. Online reporting and optional collection services are available.

Benefits of Telephone Check Conversion:

• Merchants would would benefit from follow-up telephone add-on sales opportunities
• Merchants who get lots of sales over the phone
• Medical practices of all kinds. No more "the check's in the mail" collection stalls







Please contact us with any questions regarding Check Services Please note that all fields followed by an asterisk must be filled in. First Name* First Name* Last Name* Last Name* E-mail Address* E-mail Address* Street Address* Street Address* City* City* State/Prov* State/Prov* Zip/Postal Code* Zip/Postal Code* Business Phone* Business Phone* Which check service(s) are you inquiring about?* Which check service(s) are you inquiring about?* E-commerce check Telephone check guarantee Paper check guarantee Check guarantee WITH conversion Check guarantee WITHOUT conversion Verification and collection Telephone check conversion Other Please enter your question(s) or comments* Please enter your question(s) or comments* Please enter the word that you see below.