Merchant services Laguna Hills and Bank Card Consulting Services

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Check Guarantee, ACH Check Services etc:
Check Guarantee:

A check guarantee service can be a simple and economical way to increase revenue at your place of business. Checks are a popular form of payment and are the preferred non-cash payment method at the retail point-of-sale. If you limit check payments you may be limiting sales. A check guarantee service will let you accept checks easily and quickly from your customers, without worry. With a guarantee service your business can accept out-of-town and out-of-state checks, even checks from Canada and all U.S. territories, safely and with less risk. Checks are approved at the point-of-sale in seconds. If an approved check is returned from the bank unpaid, it can be submitted for processing and reimbursement allowing you to concentrate on sales, not on collections. Training, supplies and account information is available at any time, for no charge.
  • Highest approvals in the industry
  • Terminal, phone and Internet approval systems
  • 24/7/365 customer service at no additional charge
  • Simple claim submittal
  • State-of-the-art authorization technology
  • Acceptance of checks from the U.S., all U.S. territories and Canada
  • Premium programs for additional coverage
  • Approval on business checks
  Check Verification:

This new service makes taking checks as simple and fast as taking credit cards. With each authorized check, funds are electronically processed and automatically deposited into the merchant’s account. And since conversion alone can’t preclude NSF items, we have enhanced the service to include guarantee. Our Check Conversion service automates the check process, expedites funds availability and reduces bank charges such as return check fees. Funds are automatically placed into the merchant’s account, reducing the need to fill-out daily deposit slips and travel to the bank. Conversion also eliminates the chance of loss from robbery, since store personnel make the deposit for checks the same as for credit cards (from the terminal). This allows consolidation of funds for multi-location merchants. And, of course, no time is wasted in long lines at the bank.
ACH Services:

Also know as Electronic Funds Transfer (EFT), ACH facilitates payment collection directly from your customers’ checking or savings accounts. Additionally, it is the most commonly used method for recurring billing. ACH provides numerous applications to improve your cash flow. Ask your standing accounts for permission to ACH the amounts due you on a month to month basis instead of sending them an invoice and waiting for their check. For one-time purchases, use ACH in place of checks or credit cards for a more efficient payment collection at a lower cost to you. If you should accept a check that is returned NSF, use the ACH system to more quickly recover the amount due to you.

  • Item fees typically lower than check fees
  • Considered a convince by the consumer
  • 60 day window for consumer charge-back
  • The transfer time is 3 days
  • Most returns occur within 1 week
  • Reduced return fees