expresscheck21 is a hybrid, “patent pending” web-based ARC1 Check 21 solution that processes and deposits all types of paper items into electronic transactions or substitute checks, better known as IRD2, all through a single point of entry system.

expresscheck21 is designed for retailers and businesses to accept both consumer and non-consumer checks so they can be processed in the back-office.

With expresscheck21 you can continue to accept your customer’s paper check payments, either at your business location or via the U.S. mail. You can then electronically process and deposit checks without having to go to your bank. Scan, process and deposit all types of paper items at your business location using a check scanner. Captured images and data are then transmitted for clearing and electronically deposited into your bank account.

It’s Simple. Everything is done in your business environment, no bank visits or deposit slips. All you need is internet access, one of our desktop scanners, and a personal computer. Run the checks through the scanner and watch each paper check convert into an electronic image, and automatically into an electronic deposit. Our technology seamlessly captures and populates accurate check images and MICR data information into the data fields, alleviating manual data entry work for you.

achXPRESS

The Check21 Process

  • Merchant receives checks from customers
  • In the merchant’s back office, utilizing a scanner and web-based expresscheck21 technology, the checks are scanned and sent electronically to Secure Payment Systems for processing
  • expresscheck21 distinguishes between non-consumer checks (corporate, payroll checks, etc. which are processed using image exchange through the Federal Reserve) and consumer checks (processed via the ACH network)
  • Merchant receives funds from Secure Payment Systems

 

Desktop Check Scanners

High Volume Digital Check TS - 350/400

  • Accepts 100 checks at a time
  • Processes 60-80 checks per minute, 3,000 per day
  • Images both sides of checks in one pass

Mid Volume Digital-Check TS230-65/100

  • Accepts 25 checks at a time
  • Processes 65 checks per minute, + or - 500 per day
  • Images both sides of checks in one pass

Low Volume MagTek MICRImage

  • Accepts 1 check at a time
  • Processes 30 checks per day
  • Images both sides of checks in two passes