Government


	Service Providers

Check Collection Providers Third Party Processors Check Guarantee* Providers Check Verification Providers ISO's VARs/System Integrators


	Financial Institutions

Treasury Management Merchant Acquirers


	Merchants/Corporations

Merchants Associations Corporations

* Subject to EnCircle
policies and procedures.

Associations

Why offer Electronic Check Processing Services?

	Reduces check-processing costs by converting personal checks to electronic transactions as checks are received at the point of sale.
	Revenue share opportunities.
	Automates the ability to electronically process Return Fees - eliminating the need for negative customer contact for Return Fee payment if a check is returned.
	Lowers check losses by settling checks via ACH that clear prior to paper checks.
	Speeds up checkout for customers and end-of day closeout for sales staff.
	Reduces trips to the bank.
	Provides more efficient clearing and settlement and faster funds availability.
	Further reduces losses by providing additional integrated options for Check Guarantee*, Check Verification and Check Collection services.
	Improved check reporting capabilities - Immediate detailed reports available through each point-of-sale terminal and online EnQuire reporting.

Consumer Electronic Check Benefits..

	Enhanced bank statement information - detailed transaction information reported on bank statement.
	Faster checkout.
	Free electronic check processing service.
	Immediate record of transaction.
	Improved security.

The process of converting paper checks into electronic funds transfers has finally become a reality. Thanks to advances in technology and changes in banking regulations, merchants now have a powerful tool designed to reduce paper handling costs, reduce losses from bad checks, improve cash flow and lower overall banking costs.

Due to the numerous financial benefits, thousands of merchants are using check conversion today. Your organization can also take advantage of the many benefits of check conversion - faster than you probably think possible!