PROCESS CHECKS JUST LIKE A CREDIT CARD!

Changing Paper Checks to an Electronic Item Benefits You and Your Customers.

Now you can take advantage of electronic commerce to increase employee productivity and to improve customer service. Electronic Check Conversion or Electronic Check Acceptance (ECC/ECA) converts a traditional paper check into an electronic item at the point-of-sale and processes it through the Federal Reserve's Automated Clearing House (ACH).

ECC/ECA saves time and money while reducing the risks of NSF checks. A check is now as hassle-free as a credit card transaction. It's more efficient and secure. And it lets you focus more on your business and taking care of your customers.

Ending the Paper Trail with ECC...

During the 1980s, technology revolutionized the payments world. No one uses a manual imprinter to accept credit cards any longer. Instead, merchants handle credit card transactions through EFT (Electronic Funds Transfers) using VeriFone, Nurit or similar terminals. Paper checks have remained non-automated...until now!

Depending on the needs of your business Curry & Associates, Inc. provides two solutions to work with either a Terminal based solution using the Telecheck ECA terminal or a software based solution using our SoftTerminal. Each solution uses the system of two different processors and each has their own unique advantages. Both systems use the current check imaging technology, which is the best process for performing ECC/ECA and keeping with the current regulations. TeleCheck brings the power and convenience of electronic check commerce to the point-of-sale with the TeleCheck Electronic Check Acceptance® (ECA®) Service. This digital process allows merchants to accept checks as quickly, safely and easily as credit cards while improving the cash flow of their business.

Here's how it works. The business authorizes the consumer's check through TeleCheck using the Eclipse® payment terminal or other ECC/ECA-certified point-of-sale terminal. Once the transaction is approved, the clerk gives the check writer a printed receipt for signature. The check writer's signature allows TeleCheck to electronically present the transaction to the check writer's bank for settlement and that money is then automatically deposited in the business's bank account.

The ECA service makes it safer, faster and easier to accept checks and will make checks a more viable payment option for both businesses and consumers.

With Telecheck you also can utilize their guarantee service.
TeleCheck's Guarantee Service continues to be the gold standard in check acceptance. If TeleCheck approves a check, you know it's good. This means you can accept low-numbered, out-of-town, even out-of-state checks with confidence, knowing that you have the industry's most sophisticated check approval system backing you up.

FEATURES

* Check imaging for storing checks that have been converted to electronic payments
* Check verification to help reduce returned checks
* Check guarantee to provide insurance against bad checks
* Improves cash flow
* Streamlines the check acceptance process and reduces paperwork
* Expedites closing, balancing and settlement

ECC/ECA using the SoftTerminal

As technology improves and streamlining a business transaction process becomes a vital part of the operations, using software solutions enables businesses to have the flexibility that wouldn't be available with a Terminal based solution.

Having the ability for faster authorizations through an Internet connection and not being limited by performing multiple batches or storing check images because of terminal storage capability can be very important to your business.

Using the SoftTerminal software along with a check imager and printer gives you this ability to perform ECC/ECA and reduce the hassle of accepting checks. This program takes a different approach to processing checks then a standard ECC/ECA check guarantee program. Combine the ECC/ECA program with our robust check verification system using either or both the ATMVerify™ or DIRECTVerify can help safeguard against accepting bad checks. If a check payment still returns NSF then using our FREE NSF/Check Recovery program helps to significantly reduce NSF checks and add to your bottom line. We offer this program because in many cases this entire system is the most economical in comparison to a traditional check guarantee program.

Magtek Check Imager
and Credit Card Reader
Ingenico's eN-Scribe
612 Thermal Printer

FEATURES

• Lightning fast authorizations
• Check imaging for storing checks that have been converted to electronic payments
• All data stored on your computer and transmitted is encrypted for you and your customer's protection
• Comprehensive suite of reports to manage and track your transactions
• Can use ATMVerify™ and DIRECTVerify solution for going one step beyond standard check verification
• Improves cash flow
• Minimizes returned checks
• Streamlines the check acceptance process and reduces paperwork
• Expedites closing, balancing and settlement
• Can be combined with our FREE NSF/Check Recovery program