• Reduces check-processing and handling costs by converting personal checks to electronic transactions as checks are received at the point of sale.
• Automates the ability to electronically process return fees - eliminating the need for negative customer contact for return fee payment if a check is returned.
• Lowers check losses by retrieving online authorizations , and settling transactions via ACH or on-line debit which clear prior to paper checks.
• Speeds up checkout for customers and end-of day closeout for sales staff
• Provides more efficient clearing and settlement, and faster funds availability
• Further reduces losses by providing additional options for guarantee and collection services .
• Improved check reporting capabilities - Immediate detailed reports available through each point-of-sale terminal and EnQuire Reporting .

• Enhanced bank statement information - detailed transaction information reported on bank statement
• Faster checkout - checks may be
• Free electronic check processing service
• Immediate record of transaction
• Improved security

The Federal Reserve has been challenged to reduce the cost of creating and processing financial instruments and has been a strong proponent of electronic check conversion since its concept was first explored almost a decade ago. Support of Federal Reserve has fostered the rules process for the National Automated Clearing House (NACHA) in creating multiple applications in converting paper checks into electronic funds transfers.

• Pioneer in the check conversion business
• World class technology and banking experience
• Interface capabilities to manage current authorization infrastructures and processes
• Turn key product implementation and service offerings
• Marquee customer and partner list

EnCircle makes available to government agencies and associations all check services and turn-key solutions as either branded service offerings or as private label extended service solutions. Please contact EnCircle to learn more about our suite of service offerings.

• Accounts Receivable (ARC) :Allows VISA POS Check users to process check information from the consumer via the mail or drop-box remittance service and enter the check data directly into EnCircle's secure Internet site. Check verification, guarantee and collection services available.
• POS Check Conversion : A fully integrated "end-to-end" system for converting checks into electronic funds transfers (EFT's) at the Point-of-Sale (POS). Check verification, guarantee and collection services are available.
• Re-presented Check Entry (RCK) : Electronically accelerates the collection of consumer checks that have been returned by the originator's bank for insufficient funds. Collection services available.
• Mail Order Telephone Order (MOTO) : Allows VISA POS Check users to accept check information via the phone for the purchase of goods and services. Check verification, guarantee and collection services available.