	Electronic Check

How Electronic Check Works Point of Sale - POP Back Office - BOC Accounts Receivable / Lockbox - ARC Internet Checks - WEB Mail Order/Telephone-TEL Check 21


	Check Risk Management

Check Guarantee*Check Verification


	Check Recovery

Represented Checks - RCK Check Collection Return Fee Collection


	Check Management Tools

Image Repository Reconciliation & Returns Management Online Reporting & Management Consolidated Returns

* Subject to EnCircle
policies and procedures.

Back Office (BOC)

Back Office Check Conversion allows business to obtain all the advantages of Electronic Check Conversion while minimizing changes to change their existing check acceptance infrastructure and dramatically reducing the need to purchase equipment to process checks.

How it works:

When a consumer presents a paper check, EnCircle captures the check information at the point-of-sale and makes the check acceptance decision. The consumer signs a receipt authorizing the transaction.


	Checks are retained by the merchant, not handed back to the consumer.
	At the end of the day, the physical check is processed through an image capture device in the back office.

EnCircle then uses the Automated Clearing House (ACH) network and other processes to settle the transaction. Funds are deposited directly into the merchant's bank account, typically in 2 business days.

Benefits of Back Office Check Conversion:

	Reduced equipment costs.
	Faster implementation.
	Reduced bank fees and processing costs.
	Faster cash flow and funding.
	Service Fee revenue.
	Minimized risk of fraud or returned checks.
	Online reporting.
	Streamlined back office operations.