ELECTRONIC CHECK CONVERSION

Accept Customer Checks Without The Risk Or Delay!

Credit Card Processing Services is pleased to offer Electronic Check Conversion by APS, anabsolutely risk-free way to take checks. Consider these facts: over 50% of all non-cash payments at the point of sale are currently made using checks, with over $650 billion in check payments processed annually in the United States alone. In effect, most companies cannot afford to not accept check payments. However, for many companies, the risk of taking checks is extremely high. While refusing checks may often result in lost sales, bouncing checks can mean time and revenue lost. With APS, this is no longer a problem.

With the APS Check Conversion Guarantee, if the check transaction does not clear, APS will collect the full amount.

What this means is that you, the merchant, need not worry about returned checks or NSF fees. APS deals with all of these details for you.

Electronic check conversion is a proven, efficient way to ensure customer checks clear. Plus, it saves you time and money. Consider the process:

Your customer writes a check.
The check is then run through your check reader terminal. This terminal reads codes located on the bottom of the check, and then verifies the details electronically.
The electronic codes are then sent securely to APS to be checked against a comprehensive database of checks and check writers.
Instant check approval is then transferred back to the terminal, and an authorization slip printed.
Your customer then signs this authorization slip and prints their name and telephone number. These items are required for APS to collect funds from the customer's account.
The customer is then given a copy of the signed authorization slip, and their original check is returned, stamped with the "ACH Processed" stamp.
With the APS system, all transaction information is stored inside your check reader terminal. At the end of the business day, information is settled to APS Check Advantage.
Funds are transferred to your merchant account with full verification within 2-4 days, instead of the average 10-30 days.
The transaction then appears on your customer's bank statement.

The APS Electronic Check Conversion system provides numerous benefits to the busy merchant. A few of these include:

Saving Time:

with APS, you make fewer bank trips, with no deposit slips to fill out or long lines to wait in. APS does all the work for you by electronically depositing all checks.

Much Lower Risk:

APS assumes liability for all its Electronic Check Conversion customers. No longer will you have to worry about NSF funds or fraudulent stop-payments.

Lower Costs:

Accepting checks is much cheaper with the APS system.

High Level Security:

Electronic check funds are delivered through the same Authorized Clearing House systems the banks have used for years.

Could your business use a risk-free way to take checks?