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eChecks enable merchants to capture online sales from consumers and businesses in the US and Canada. In addition to increasing e-Retail sales, eChecks are also well suited for recurring payments such as monthly fees and memberships. They occur via ACH or CH21.
ACH - The Automated Clearing House (ACH) is a US Government run system that allows money to be electronically transferred, for one-time payments or recurring payments, from one bank account to another, through what's known as an Electronic Funds Transfer (EFT) in the form of a debit or credit. While you increase your sales you'll reduce the costs associated with paper check processing.
CH21 - CH21 processing allows you to convert consumers paper checks into electronic deposits. The checks are scanned and processed through the Federal Reserve and are available for deposit within two business days. Most processing companies will add an additional five business days for settlement to allow for NSF and other types of returns.
CH21 - CH21 processing allows you to convert consumers paper checks into electronic deposits. The checks are scanned and processed through the Federal Reserve and are available for deposit within two business days. Most processing companies will add an additional five business days for settlement to allow for NSF and other types of returns.
Does not utilize the NACHA network so their rules and restrictions do not apply.
Download and import files directly into your billing system to update accounts, saving time and money.
If account information is taken on your website, the check can carry the customer’s actual signature, and is therefore more difficult to challenge, reducing consumer friendly fraud.
Direct Deposit allows payers via the Electronic Funds Transfer (EFT) method to directly deposit into a payees’ bank account. There are no hassles of writing out checks and mailing them, everything is done online and electronically. Direct deposit benefits merchants who pay out residuals for their affiliate programs, saving both time and money.
No waiting for the mail
No lost or damaged checks
No holds are placed while waiting for a check to clear
Reduces check preparation and bill payment costs
Incentive and convenience for employees
This payment method offers merchants the ability to accept Debit and Credit card payments to increase cash flow while reducing costs associated with cash and checks. Setting up a quality, secure online merchant account is key for launching and operating a successful online business. We offer PCI-compliant solutions at low prices to get you up and running safely and quickly.
Our Credit card services are competitively priced, and can be coupled with other forms of alternative billing, which can easily be combined into one comprehensive package for your business. The multiple banking relationships we have established allows us to assist new merchants as well as merchants categorized as high-risk by the card associations.
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Global credit card brands like Visa and MasterCard fuel the majority of commerce online. Credit cards are the preferred payment method among personal and commercial consumers due to:
Our Credit card services are competitively priced, and can be coupled with other forms of alternative billing, which can easily be combined into one comprehensive package for your business. The multiple banking relationships we have established allows us to assist new merchants as well as merchants categorized as high-risk by the card associations.
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Global credit card brands like Visa and MasterCard fuel the majority of commerce online. Credit cards are the preferred payment method among personal and commercial consumers due to:
Broad card account ownership
Ease of use
Availability of funds
Reward programs
Expense tracking
This payment method allows merchants to accept payments on a monthly basis while only having to input the payment information once. Recurring billing gives merchants the flexibility to customize the intervals consumers are charged. Set the schedule that works for your business needs whether it’s weekly, monthly, or semi-annually. Recurring billing also allows merchants to import an existing customer base, view billing history reports and send automatic billing receipts to consumers; benefits that all help build customer retention.
Membership fees
Subscription based businesses
Home services (garden, pool, alarm systems)
Schools and churches (donations, tithing, charities)
Debit cards have been around since the mid-1970’s, decades before Credit cards were on the scene. For your consumers it’s like carrying around a check and a Credit card in one. All merchants who have the ability to accept Credit cards can accept Debit cards too; all that’s required is the consumer to enter the 16 digit account number, expiration date along with the CVC (card verification code, that’s the 3 digit code on the back of all Credit cards).
Debit cards can be used interchangeably with Credit cards in most locations. Debit cards are linked directly to the cardholder’s bank account and an automatic deduction is made for each purchase made. It’s a convenient way for your consumers to pay without getting themselves in more Credit card debt.
Debit cards can be used interchangeably with Credit cards in most locations. Debit cards are linked directly to the cardholder’s bank account and an automatic deduction is made for each purchase made. It’s a convenient way for your consumers to pay without getting themselves in more Credit card debt.
Debit cards are a convenient alternative to carrying cash or a check book, and have become the first payment choice for many consumers.
Merchants who sell their product online or for the merchants who are still in brick–and-mortar locations can increase sales by simply offering their consumers another alternative for payment.
Debit card purchases are deducted directly from the consumers bank account, making it easy for them to keep track of where and how they’re spending their money.
Debit cards use the same real time verification as Credit cards, while accepting checks can take up to 2-4 days for validation.
