• Expands current product offering for electronic payment services (credit, debit etc.,)
• Adds a new source of revenue from check processing transactions to augment highly competitive card processing services.
• Improves competitiveness in the market by creating a new, high-value product to offer merchants.

Traditional merchant acquiring credit and debit card financial services have gone from a paper to an electronically managed service over the past 20 years. Through this evolution, the industry has realized increased revenues through improved efficiencies and reduced losses due largely to improved authorization processes- This same evolution is occurring today with electronic check processing services .

• Pioneer in the check conversion business
• World class technology and banking experience
• End to end check processing services
• ACH origination services and custom interface software development
• Turn key product implementation and service offerings
• Marquee customer and partner list
• Check conversion and check service experts

EnCircle have developed and certified primary POS terminal solutions with companies such as VeriFone, Hypercom and Lipman.

In addition to realizing more revenue for merchant acquirers and processors, EnCircle can help merchants by increasing satisfaction through reduced expenses by extending electronic check service offerings . EnCircle makes available to financial institutions 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.

Besides the many benefits of reseller opportunities, merchant acquiring organizations may also use electronic check payment services from EnCircle to process check payments for credit cards and other issuing products.

• 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.
• 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.
• 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.
• 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 Internet site. Check verification , guarantee and collection services available.