	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 Verification

EnCircle's Check Verification service allows merchants access to the largest consumer databases in the industry. These databases are updated in real-time, as check activity occurs, allowing merchants outstanding risk management and fraud detection.

In addition to access to millions of consumer account records, businesses can take advantage of EnCircle's risk assessment technology, developed and refined over a quarter of a century.

EnCircle takes the worry out of check acceptance and provides peace of mind at a very low cost. Combined with EnCircle's optional Check Collection program, business can have a seamlessly integrated check solution that streamlines office workload and improves productivity.

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 screen out fraudulent activity and poor check risks and present approved checks to the consumer's bank electronically. Merchant accounts can be funded in 2 to 3 business days.

EnCircle's Check Verification allows businesses several advantages:

	Reduced risk and improved peace of mind.
	Access to the largest databases available.
	Service Fee revenue.
	Ability to accept more checks and improve sales.
	Verification of both paper and electronic checks.
	Ability to incorporate Collection services automatically.
	View transactions, check images, and reports online in real time.