MIAMI, FL, Wednesday, January 28, 2004 -- Insta-Check, the largest independently owned check guarantee company, and BankServ Check Services, LLC, the pioneer in electronic check conversion, have announced their newly combined company, EnCircle.

EnCircle will leverage over 25 years of experience, technology and operating infrastructure to offer a seamlessly integrated suite of check products and services. Insta-Check has been a national leader in check guarantee since 1978 specializing in tailoring check programs to meet the needs of merchants nationwide. BankServ Check Services, LLC has been a groundbreaking provider of electronic check conversion services and the became the first provider of third party services for the VISA POS Check Program.

"EnCircle's mission is to change the paradigm of check acceptance by making it as safe, secure, and easy as cash or credit cards," states Anil Gajwani, President and CEO. "Our end-to end electronic check services eliminate the risks and hassles of check acceptance. EnCircle simply provides a better way to accept checks, and is uniquely positioned in the world of check payments".

The new company brings depth and practical experience to the check payments industry. In addition to a proven business infrastructure and state of the art technology, "EnCircle's top management team represents over 100 years of combined experience in national check acceptance services," says Steve Bloom, VP Marketing. "We have the ability to go beyond merely providing check products and to create full check payment and recovery solutions that can be customized to meet the individual needs of our clients.

" EnCircle will offer a full suite of programs, including electronic check conversion, verification, guarantee, collections, RCK, consolidated returns, check imaging, and administrative returns handling - all of which can be combined or tailored depending on a clients requirements. Additionally, EnCircle offers ARC and TEL to VISA POS Check customers. With these end-to-end solutions, EnCircle is moving ahead to live up to it's mission "Infinite Options, Definite Solutions".

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