	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.

Mail Order/Telephone (TEL)

EnCircle's Mail Order/Telephone service makes it possible for businesses to provide a payment option to customers who prefer to pay by check over the phone. EnCircle converts checks into electronic items instantly, while customers are on the phone and before merchandise is shipped.

Checks are converted to electronic deposits and funded into your account, typically within 2 or 3 business days. Merchants are able to view all check activity online via EnCircle's reporting tool, EnQuire. View check images, run and export reports and evaluate your sales quickly and easily.

Electronic checks can be combined with EnCircle's Check Verification and Collection to reduce risk, or combined with Check Guarantee* to virtually eliminate receiving bounced checks altogether.

Benefits of Mail Order/Telephone Check Conversion:

	Reduced bank fees and processing costs.
	Access to consumers that prefer to pay by check or don't have credit cards.
	Improved cash flow and funding.
	Minimized risk of fraud and returned checks.
	Ability to ship orders faster.