Check the ACH Software Application at your home/business computer with the drop-down menu from Reports Button Reports/ Funding/ Settlement Detail or use Virtual Terminal.

Several times during the day, settlement details are posted to your account and are viewable on your home/business computer. The Settlement Detail lists all rejected items. An example of a rejected transaction is a NSF (Non-Sufficient Funds) check. The report contains all the information necessary to identify the returns so that you can decide whether to "run" the transaction again or contact the Consumer directly to follow-up with the sale.

Limits are independently established for each merchant.

Cleared Funds: Within 60 days after purchase, our bank will automatically credit consumer's account if transaction is disputed or repudiated.

No. If it does, then switch your account to another bank.

You can start accepting Online Checks the day after we approve your completed application and Bank Agreement. The typical approval time is 4 to 8 days.

YES! You simply supply us with the exact location page (www.mysite.com/mystore/store.htm) or you can customize your own secure purchasing page. It's totally up to you

We deposit all funds into your existing bank account via the ACH Banking System.

Your funds will be deposited into your checking account within 48-72 hours of the online transaction not including weekends and holidays. We utilize the NACHA electronic network that transfers and clears funds between banking institutions on behalf of online merchants and their customers. Each transaction takes approximately 48 hours to clear. We strongly suggest that merchants wait five days from the initial transaction date before shipping any goods to insure that the payment has cleared.

Your checking account is debited the 1st of each month. An invoice is mailed with an electronic debit within 8-10 days.

Yes. You can use our Integration Guide and software even if you do not have a shopping cart on your site. If you choose, we can provide you with a Payments Gateway.

YES. Web entries are transactions subject to the requirements of the NACHA Operating Rules, the Electronic Fund Transfer Act and Regulation E, as promulgated by the Federal Reserve Board. Web authorized entries are defined as a debit entry to a Consumer Account initiated by an Online Merchant pursuant to an authorization that is obtained from the Consumer via the Internet.

There is NO minimum transaction volume and NO minimum number of transactions are required per month.

Yes. The Automated Clearing House (ACH) processes deposits first, then electronic funds transfers (EFT), and then paper checks last. Consequently, fewer EFT's result in non-sufficient funds than with paper checks.

Yes. The Automated Clearing House (ACH) processes deposits first, then electronic funds transfers (EFT), and then paper checks last. Consequently, fewer EFT's result in non-sufficient funds than with paper checks.

94% of people have a checking account, however, only about 50 % of American adults have a credit card. What is even more interesting is that half of those with a credit card have already reached their credit limit. For this reason, accepting checks over the phone and over the internet can increase your market potential dramatically.

Absolutely! All that is required is that your data stream be in a specific format which our software can import. Even if your current software can't export per our specifications, we can assist with a link that will convert your data stream to meet our import requirements.

Anytime a merchant accepts a check there is a certain amount of risk associated with whether the check will "clear" or not. For this reason, it might make financial sense for some merchants to use either check verification, or check guarantee services to minimize this risk. A few issues to consider are your current "bad debt write-off", number of out-of-state checks, dollar amount of your average check.

Yes. By law, financial institutions regard customer information as highly confidential. In comparison, traditional paper check is handled by many people in the payment process before it ever gets to the bank.

Transaction fees for processing checks are typically less than processing credit card transactions.

Not at all. We make it easy to get started. We can get you up and running quickly and we accept a variety of electronic files so it's also simple to administrate.

Funds can be electronically transferred to your account in as little as 48 hours.

ATMVerify can help eliminate returned items by verifying if checks are drawn on closed or overdrawn accounts and if inaccurate ABA routing or account numbers are provided.

Unfortunately, Checks By Phone or fax can not be guaranteed at this time.

Items that are returned NSF can be re-presented for payment. Merchant Advisors can manage this process for you if you desire.

The documentation that we request is used to establish and verify the identity and the credit worthiness of the business or individual applying for the ACH account. We are extending you credit for every transaction.