	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.

Return Fee Collection

Most merchants today are largely not successful in collecting a service fee for returned checks - particularly those fees for smaller value checks. With EnCircle's Return Fee Collection process, merchants can enjoy an additional revenue stream associated with service charges assessed for returned checks.

Through EnCircle's electronic check processing, merchants can now electronically collect returned check service fee charges without the need to require the consumer to send in another check or pay the fee in person.

Benefits of the Return Fee Collection:

	Expands Revenue Stream.
	Eliminates Manual Collection Requirements.
	Provides Better Customer Service.