| Quick Listing of Our Product Services |
| Back Office Banking: |
What is it?
When customers are paying for merchandise and/or services by check, whether at your location or received by mail, the check is accepted in your usual manner and then later scanned with an imager and electronically deposited. You may also receive checks by phone or via the internet which are electronically deposited/batched similar to a credit card process. There is no need for an additional signature or additional equipment at the point of sale. This will also enable you to consolidate deposits from multiple locations.
You may also want to debit your customers electronically either for a one-time payment or for recurring payments. With our process you simply enter the payer information once including the amount and frequency of the payment. The rest happens automatically saving time and money. No more “the check is in the mail.”
These back office functions save time and money while accelerating your cash flow.
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| RCK Check Recovery: |
A FREE process for recovering NSF checks by converting the paper check into an electronic transaction through the Federal Reserve banking system, and debiting the check writers account for the face amount of the check and the authorized state allowed fee. |
| Recovery Plus: |
Recovery plus combines verification and our e-CAP recovery service. e-CAP’s Recovery Plus program makes the expense of verifying your checks very cost effective and with the likelihood of nearly eliminating unrecoverable checks at such a low cost, our Verification Plus program is a risk management must for any business receiving payment for goods or services. |
| Check Conversion: |
Turn paper checks into electronic transactions at the point-of-sale. Simply insert your customer's check into the e-CAP Check Reader and process your customer's check much like a credit card. |
| Check Guarantee: |
Check Guarantee is the most commonly used check service allowing the merchant to “insure” the face value of the check and protecting the merchant against checks written on non-sufficient funds (NSF). |
| Credit/Debit Card: |
e-CAP can help your business get set up to accept credit/Debit cards. We provide competitive credit card processing rates and fees. If you already have service, we can match or reduce the current rates and fees your paying. How? We are a direct provider for Visa and MasterCard enabling to receive rates and fees at cost. This is an advantage that translates to lower rates and fees for you. |
| ATM: |
Retailers of every kind are taking advantage of the rapid adoption of Automated Teller Machines technology by consumers and the convenience that a robust ATM program provides. An ATM will ensure that customers keep returning time after time, building bottom-line profitability over the long term. |
| Consolidated Returns: |
e-CAP’s Consolidated Returns service saves significantly on transaction time and cost, since returned items come directly from the paying bank (RDFI) to e-CAP rather than the bank of original deposit (ODFI). Returns are received up to six days earlier, translating to accelerated negative database updates and faster recovery of returned NSF items. This closes the window of opportunity a bad check writer has to write more checks. |
| Gift Cards: |
Gift Cards and Stored Value Cards, are the revolutionary new payment solution that provide benefits for both the merchant and the customer. Resembling a common credit card, Gift Cards are a powerful marketing and sales tool for your business. Use Gift Cards to start generating revenue for your business now! |
