By utilizing Electronic Funds Transfer (EFT/ACH), your ability to accept payment by check over the fax, telephone, and Internet could not be easier! Your customers may choose to have recurring regular payments automatically deducted from their accounts. You can represent NSF paper checks electronically, which means you recover more of your funds faster. These services can also be provided to you without any software requirements on your end! All that is needed is a Web browser. approval process..

Online ACH HUB
Enjoy the power of a secure Internet portal that enables your company to originate secure ACH (electronic fund transfers) transactions that clear in 24 to 48 hours! This server-based tool puts the power of electronic banking at your fingertips. Debit your customer's account for one-time or re-occurring payments, represent NSF checks, run payroll, transfer funds to creditors, convert checks at the point of sale, accept electronic checks on your website, etc. The Hub manages all of these services for you while providing real time reporting on all transactions. You may enter new transactions manually, import them, and even scan returned checks into the Hub.

Consolidated Returns
This unique service will drastically reduce the amount of time your customer's bounced checks stay in the Federal Banking System. This means that you will know much sooner when you have a bad check on your hands. CR also slashes the cost of returned check bank fees and consolidates returns to one statement for easier account reconciliation.

Bounced Check Processing
Merchant Works electronic re-presentment of NSF checks is an ideal way to reduce the costs associated with check acceptance. With this unique system accepting checks can become the most desirable form of payment that you receive other than cash. With nearly half of all Americans either unwilling or unable to use credit cards, check acceptance is an excellent strategy to increase sales.

Checks by Phone
The ability to accept checks over the telephone or fax will streamline your account receivable department and increase your cash flow. No special equipment is required! By accepting checks in this manner your billing costs go down while your delivery of goods and services speeds up.

Automated Payments
Imagine being paid by your customers on the same day each month. Imagine being able to plan for growth because you are in control of when you get paid. Well imagine no more! Merchant Works will automate your account receivable department with customized set up and data management. Redundant keyboard entry is greatly reduced, as you are able to update your files automatically.

Online Electronic Check
Merchant works enables online merchants to accept and process electronic check payments and credit card transactions directly from their Web site's storefront. This is a server-based transaction processing system that enables businesses to authorize, process, and manage electronic check and credit card transactions in a real-time, online environment from any computer with a web connection and a browser.

Check Protection System
CAPS is an excellent tool for merchants that are exposed to the threat of multiple bounced checks from the same individual. With CAPS on call your exposure to the "Quick Hop" and other fraudulent check writing activity is minimized. An ideal system for Convenience Store chains, Pizza Delivery chains, and any merchant that requires an automatic filter before a check is accepted.