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With Western Clearing Corp's program provides for the incorporation of a check scanner/imager located at the point-of-sale that will read and transmit MICR data, enabling the ACH credit/debit transaction to occur and will electronically capture an image of the check - thus allowing the "paper" check to be returned to the consumer. Additionally, should the check come back NSF, Western will automatically represent the check electronically (RCK) on behalf of the merchant. The key to the practical implementation of this program is Western's unique capacity to remotely access the scanner/imager for retrieval and transmission of check images for indexing, cataloging and archiving. More important these images are transmitted via a high-speed communication link and not transmitted though the credit card terminal.
This point of sale check conversion program works with our existing software. Merchants are reluctant to invest in bulky equipment or install additional phone lines but are eager to take advantage of the latest payment processing technology. Western recognized the dilemma and developed a system that runs off an existing phone line and incorporates an extremely small box with a business-card size board. Most terminals purchased in last five years have small memory and are managed by credit card processors who own the application. There's only one phone line that goes into the terminal and that's been the accepted scenario. We have the ability to run one line off the terminal down to the bank check imager. That one line has a 'Y' in it which splits off to an image control - the Image Trans 2. Utilizing Western's program, on the left hand is the credit card terminal. The right hand is where the check image goes. By keeping those two hands separate, the modem in the credit card terminal remains at 1200 baud. Since the check images need to go on a higher speed, they're sent on a higher baud through Image Trans 2 with no disruption of service to the merchant. This "device independent" solution doesn't disrupt the merchants' existing terminal environment either. There is no re-programming necessary nor any requirement to upgrade existing hardware. |
Western's system incorporates a MagTek solution. The MagTek stores up to 100 images and transmits in a delay mode. The point of sale check conversion program then does an auto-dial in the middle of the night, saving time for merchants by sending data when no other transactions are being sent. The merchant is responsible for sending the credit card images off. We don't want merchants worrying about sending the check images. With our point of sale check conversion program, they can be hands-off with our system.
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Electronic Payment
Bad Check
Recovery
Check by
Phone
Check
Guarantee
Automated Payments
Electronic Check Conversion
Merchant
Account
Adult
Merchant Account
Order or Get More Information About Electronic
Point of Sale Check Conversion
Electronic
Payment Processing Services Articles
Testimonials
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