Visa POS Check Services Resale 

Converting paper checks into electronic checks.

Give Your Merchants a Better Way to Accept Checks . . .  

The Visa POS Check Service allows your merchants to convert paper checks presented at the point of sale into safe, efficient “electronic” checks.  

Visa POS Check Service gives merchants the best authorization experience possible, using real-time authorizations against live bank accounts for a significant portion of the checks accepted.  Authorizations for non-participating banks are made using the NCN database.  

Benefits to your merchants include: 

• Ensure 48 hour fund availability from checks
• Virtually eliminate the time and expense of depositing checks at the bank.
• Reduce check acceptance costs and risks.
• Streamline back office procedures.
• Fewer checks to handle. Because checks are immediately returned to consumers at the point of sale, there’s no paper for merchants to handle, process, and deposit at their bank. Fewer checks means lower bank processing fees.
• Improved customer service. Customers benefit from the speed and convenience of the fast checkout enabled by the conversion process. 

Service Options For Your Merchants  

With the POS Check Service, merchants can choose service options that manage risk as appropriate for their business: 

• Conversion Only. The check authorization message is routed to the customer’s bank or ECHO’s National Check Network check authorization database. They determine if the check is eligible for conversion to an electronic item and verify whether the account is open or closed.  

• Verification with Conversion. The check authorization message is routed to the customer’s bank or NCN to determine that the check can be converted to an electronic item, confirm that the account is open, and verify the probability that the check will be paid based on current information available to the authorizer. NCN makes an accept or decline decision based on access to the checking account or the database. 

•  Guarantee with Conversion. In addition to all the steps taken for the Verification with Conversion option, NCN also decides whether the check can be guaranteed for payment based on available funds or other information. ECHO accepts all the risk! 

Hardware Requirements 

To accept checks through the service, merchants must have a check MICR reader and compatible POS terminal.  ECHO supports the most widely used terminals in the U.S., virtually assuring you of a compatible program.  ECHO will provide the necessary technical and operational support to get you started. 

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