TeleCheck® Payment Solutions: Electronic Check Acceptance (ECA®)

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TeleCheck® Payment Solutions

For nearly 40 years, TeleCheck has delivered check acceptance solutions that help merchants accelerate cash flow, lower operating expenses and increase sales. No matter what kind of business you operate, TeleCheck can help you expand your customers’ payment options.

With most TeleCheck® payment solutions, merchants have the option to select either a verification or warranty service in accepting a customer's check. The check verification service helps merchants expedite the processing and handling of checks and reduce fraud. The warranty service gives merchants more flexibility and an increased level of protection. With the warranty service, TeleCheck manages the entire check collections process, helping you streamline operations and giving you more time to focus on your customers.

Electronic Check Acceptance (ECA®) – Verification

	Reduce traditional bank fees and processing costs and streamline back office operations with our electronic check payment service.

	Customers want payment options so merchants need to accept and process checks. Paper checks create a number of extra steps for the merchant and can be a cost burden: they represent higher risk for fraud; they need to be verified, reconciled and physically taken to a bank for deposit, and processed. In addition to waiting several days for funds, merchants have to pay various fees to their banks for processing.

	The TeleCheck® ECA® Verification service is one of the industry's most sophisticated check verification systems. It gives you the confidence to accept more checks, while reducing bank fees and processing costs. You will see an improvement in cash flow with faster funding utilizing the TeleCheck ECA Verification service. And with electronic check processing, you return the check to the consumer helping to protect your customer's personal information. The TeleCheck ECA Verification service screens checks against information from hundreds of thousands of businesses and financial institutions, minimizing the risks associated with check acceptance. How It Works After a customer gives you a paper check, TeleCheck uses leading risk assessment technology and extensive check writer negative and activity databases to evaluate the risk of accepting a check. If the check meets the verification requirements, the TeleCheck ECA Verification service converts the paper check into an electronic transaction at the point-of-sale. The Automated Clearing House (ACH) network is used to process the transaction and funds are deposited directly into your bank account generally in two business days.


Electronic Check Acceptance (ECA®) – Warranty

	Accept more electronic check payments with less risk and a higher level of protection for fraudulent and returned checks.

	Many consumers prefer to write checks for purchases and merchants who refuse to accept them turn away business. Accepting checks requires attention to the management of risk due to fraud and returned checks. Accepting checks has its costs: they need to be verified, reconciled, deposited at a bank, and processed, which usually means several days before the funds are available.

	The TeleCheck® ECA® Warranty service offers merchants a comprehensive solution for check acceptance, incorporating authorization, settlement, and collections. It combines the industry’s most sophisticated check acceptance system with a warranty service option for “peace of mind” over returned check liability. How It Works The TeleCheck ECA Warranty service allows you to accept checks easily, efficiently and safely. You benefit from reduced bank fees, lowered operating expenses and improved cash flow through faster funding. And with the Warranty service, returned check processing and collections can be managed by TeleCheck. The service converts a paper check into an electronic transaction at the point-of-sale. The Automated Clearing House (ACH) network is used to process the transaction and fund your account generally within two business days. Plus, if a check is returned, TeleCheck manages the entire collections process giving you more time to focus on your customers.

Maxx Customer Solutions

Credit Card Acceptance

Debit Card Acceptance

Mail and Telephone Orders

iPhone Charge Card Terminal

Loyalty Programs

Wireless Solutions

Maxx Merchants ACH Processing

Maxx Merchants Electronic Check Processing

Fraud/Risk Management Solutions

Terminal Equipment