	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.

Internet Checks (WEB)

EnCircle provides businesses a secure and easy way to accept check payments over the Internet. This real-time payment solution improves operational efficiencies and may increase revenue by offering a businesses an alternative payment option, stronger fraud protection, quick funding and low-cost integration.

How it works:

Consumers enter their checking account information in a browser window integrated into the merchant's payment page. EnCircle processes the check as an electronic transaction, debits the consumer and funds merchant's account generally within two business days.

EnCircle's Internet check service can be automatically integrated with EnCircle's industry-leading Check Guarantee*, Check Verification and Check Collection services, providing merchants with streamlined back office operations and reduced costs.

Businesses also benefit by being able to expand payment options to their customers, turning potentially lost consumers into sales.

Benefits of Internet Check Conversion:

	Access to customers who prefer to pay by check or don't have credit cards.
	Reduce the risk of Internet payments with EnCircle's fraud and risk assessment.
	Access EnCircle's extensive, real-time negative databases.
	Online reporting.
	Minimize handling fees and reduce returned checks.
	Ability to ship orders faster.
	Easy funding and settlement process.
	Quick and low-cost integration.