	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.

Check Guarantee*

EnCircle provides thousands of businesses nationwide peace of mind through our Guarantee* program that ensures that EnCircle covers any returned checks. EnCircle takes the hassle and risk out of check acceptance - with the lowest rates and best technology in the industry.

EnCircle uses leading risk assessment technology and extensive consumer negative and activity databases to evaluate the risk of accepting a check. We automatically warrant every check we approve under our simple check acceptance procedures. EnCircle has access to the largest databases in the industry and unmatched risk scoring that allows us to approve checks that other companies won't.

How it works:

Whether a merchant accepts checks from consumers at the cash register, for telephone orders, on the Internet or in a lockbox, mail order or drop box environment, EnCircle can process and present approved checks to the consumer's bank electronically. Merchant accounts can be funded in 2 to 3 business days. EnCircle can also provide the same Check Guarantee* service to merchants who accept paper checks.

Benefits of EnCircle's Check Guarantee* program include:

	Lowest rates in the industry.
	Reduced risk and improved security.
	High approval rates.
	Guarantee* of both paper or electronic checks.
	Merchants never see a return on electronic checks.