At this point any checks returned unpaid to your bank will automatically be forwarded to our processing center for collection. You will immediately receive either by email or fax a report indicating the check has been returned and is in our system (Store Notification Report). Checks received that are returned for reasons other than NSF i.e. Closed Account, Refer to Maker, etc will either be forwarded to Secondary Collections or returned to you per your selection on the Merchant Agreement. Depending on the reason for return and other variables the following is an example of how a check may be processed through our system. Checks are entered and imaged by our data entry department and cued automatically for re-presentment through the Federal Reserve Banking system. This re-presentment is programmed to coincide with available funds in the check writer’s account. Commonly, the majority of NSF checks will be recovered in this first re-presentment. You will receive a Reimbursement Report indicating the checks that have been recovered and the amount that was electronically deposited in to your account.

Those checks that are not collected through an additional and final electronic re-presentment are either returned to you or forwarded on to our Secondary Collections department per your instructions on the merchant agreement.

This is an example of a check collection scenario and may not represent how all checks will be handled.

e-CAP’s collections process incorporates its proprietary electronic and secondary collections services, enabling you to take full advantage of recent changes in the Federal Reserve regulations.