Clearing House (ACH) collections
ACH Checking Service
is a payment service that allows online and traditional merchants to
accept and process electronic check payments -- either directly from
their website storefront or through the QuickCommerce Virtual Terminal.
Service makes it easy for online businesses to add an electronic
check payment option to their Website. Customers who wish to pay
for a purchase with an electronic check can simply select the
electronic check option and enter the requested bank account information.
ACH Checking Service encrypts the data using SSL 3.0 encryption
technology and transmits it to the secure server for posting.
Transactions are automatically settled each day. Then the system
debits the consumer's account via the Automated Clearing House
(ACH)* and transfers the funds to the merchant's account. If the
account numbers are entered incorrectly or the account has insufficient
funds, the ACH Checking Service system notifies the merchant.
merchants without commerce-enabled Web sites can also use ACH
Checking Service to handle periodic billings. Businesses such
as health clubs, tanning salons, subscription services, ISP's,
membership companies, and health care practitioners are typical
examples of businesses that need the ability to periodically deduct
funds from their customer's checking accounts. Of course, customer
approval is always recommended, and merchants must sign a separate
ACH Checking Service agreement to perform these types of transactions.
and Benefits "
are available 24 hours a day, 7 days a week real-time without ever needing
to speak to customers.
- No Credit Turn Downs:
Regardless of previous credit history.
- 100% Financed:
No large out-of-pocket initial investment.
- Fast Turnaround:
Electronic check funds are transferred into your account within 48
- Access and process
transactions anywhere around the globe where you have Internet access.
- User friendly,
easy to use program.
- Solution for
automated processing of Internet merchants.
checks feature - transfer funds directly to merchant's bank account.
- Handles recurring
monthly payments from check accounts.
- SSL security
best on the Internet today).
- Reporting capabilities
accessible via the Internet.
- Authorizes electronic
check transaction within 5 seconds and emails customer's order to
- Encourages impulse
buying on the Internet.
- Converts your
web site from an electronic brochure to a commerce-enabled virtual
- erchants credit
card processing order form can be setup to have the same look and
feel as their e-commerce site.
|*The Automated Clearing House is the
electronic network which transfers and clears funds between banking institutions
on behalf of merchants and their customers. Each transaction takes approximately
48 hours to clear, and we strongly suggest that merchants wait five days
from the initial transaction date before shipping any goods. This leaves
two days to debit the consumer's account, two days to deposit the funds
into the merchant's account, and one day for the bank to post the transaction.
Because of this unavoidable delay, ACH Checking Service should not be
used by merchants who sell soft or digital goods that are normally downloaded
immediately upon completion of the sale.
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