Automated Check Services
- Automatically debit your customers' account
- Deposits are in your account automatically within 48 hours - no more trips to the bank
- Preventative fraud detection features cut down on bounced checks
- Available with our check reader terminal or through the virtual terminal and is fully integratable with your web site as an additonal form of payment
- An excellent alternative for 'high risk' businesses
- Collections services available
California Merchant Services' Automated Check Services operate using the Automated Clearing House (ACH) network. This network is a government regulated, nationwide network for electronic funds transfers (EFT) throughout the US that connects all the major US banks.
This service allows you to automatically debit your customer's account using our electronic check reader, or by manually entering the check information into our secure virtual terminal. The funds are automatically debited from your customer's account and funded to your account within 48 hours.
Preventative Fraud Detection Features
- Checking Account Verification: Instantly establishes a direct connection to the payer's financial institution to verify the condition of the account. This feature verifies that the account is in the payer's name, the account number provided is valid and accurate, that the account has available funds, and that the account is not closed or overdrawn, and that there are no outstanding NSF checks. It also verifies that this account can accept ACH debits and has had no recent stop payment orders.
- National Database Check: Instantly searches a national database providing records on transactions (includes over 22 million negative transaction records and 138 million positive records). The database indicates whether the account has had one or more outstanding NSF or unpaid items posted against it and whether the account has a positive or negative check writing history. It also queries whether a check has been presented more than once, which can be an indicator of attempted fraud.
High Risk Accounts
Even those accounts that have been considered 'high risk' are good candidates for Automated Check Services, and the low rates make checks a cost effective alternative to offshore merchant accounts. Check accounts are well suited to the following industries:
- Travel Arrangements and Flights
- Membership and Subscription services
- Limousine services
- Telemarketing
Collections Services
Should you have rejected ACH transactions, California Merchant Services provides a free collection service to recover those lost funds. Additional terms and conditions apply. Please contact us for more details.