Merchant Service Center has partnered with Global-E-Telecom to provide you with services that literally guarantee that you will never take a bad check again!
Checks are inconvenient and costly for retailers. Check fraud and uncollected funds cost retailers more than $5.9 billion annually. On top of that, there are bank deposit fees, NSF fees and the delays in actually receiving the funds-especially for out of state checks. With Electronic Check Conversion (ECC), checks are electronically processed and funds are automatically deposited into the merchant’s bank account.

Enables Merchants to accept & process checks similar to a credit card transaction.

• Check Guarantee and Conversion program at the Point of Sale
• Face-to-face transaction required
• Check is handed back to consumer

• Increase sales by accepting all types of checks including out of state checks
• Eliminate bad checks
• Faster availability of funds
• Eliminate NSF and deposit fees from local bank
• Eliminate the sorting and depositing of paper checks
• Process is simple to use because it mirrors a credit card transaction
• No paper claims file for bad checks
• Detailed online reporting available

• Electronic Check Service Agreement – faxed in application is ok, original is needed within 7 days
• Copy of Voided check
• Terminal needs to be programmed
• See equipment compatibility page list of certified terminals (Imager recommended)
• Check Processing Company will send merchant a welcome kit to include: ACH Stamp, Decals, and Terminal Instruction Guide.

• Criminal & Bankruptcy Attorneys
• Used Auto Sales (if not combined with new dealership. Used Auto Addendum Required)
• Unlicensed Massage Parlors
• Check Cashing & Payroll Advance
• Credit Counseling
• Adult Related Businesses
• Investment Opportunities
• Travel Agency
• Gambling (Charity Bingo is acceptable)
• Bail Bondsmen

• Merchant will swipe check through a check reader and input driver’s license # and amount of sale.
• If transaction is approved a duplicate receipt will print and consumer completes receipt.
• The check is stamped “ACH Processed” and check along with the receipt are handed back to the consumer.
• Check Processing Company will fund merchant on transaction in 48-72 hours – similar to a credit card. (Consumer still experiences a 2 day float)
• Merchant will not be charged back for any returned checks. (As long as proper procedures were followed)

Convenient & inexpensive option for merchants that don't have a bad check problem but like the benefits of ECC.

• Non-Guarantee Point of Sale Conversion
• Merchant not funded on checks that do not clear
• Face-to-face transaction required
• Check is handed back to consumer

• Increase sales by accepting all types of checks including out of state checks
• Decrease bad checks
• NSF checks are automatically resubmitted electronically 2 additional times
• Eliminate NSF and deposit fees from local bank
• Eliminate the sorting and depositing of paper checks
• Process is simple to use because it mirrors a credit card transaction
• Multiple location merchants can have funds deposited into one account
• Detailed online reporting available

• Electronic Check Service Agreement – faxed in application is OK, original is needed within 7 days)
• Copy of Voided check
• Terminal needs to be programmed
• See equipment compatibility page list of certified terminals – IMAGER HIGHLY RECOMMENDED!
• Check Processing Company will send merchant a welcome kit to include: ACH Stamp, Decals, and Terminal Instruction Guide.

• Unlicensed Massage Parlors
• Adult related businesses
• Investment Opportunities
• Bail Bondsmen
• Check Cashing / Payroll Advance

• Merchant will swipe check through a check imager or reader and input driver’s license # and amount of sale.
• If transaction is approved a duplicate receipt will print and customer completes receipt.
• The check is stamped “ACH Processed” and check along with the receipt are handed back to the consumer.
• Check Processing Company will fund merchant on transaction in 72 hours.
• Merchant will not be funded on checks that do not clear the ACH network or are returned.