XPRESSCHEXONLINE^SM
Internet Check Service

XPRESSCHEXONLINE^SM Gives Your Internet Customer A Secure Check Payment Option

While much is made of credit cards dominating Internet commerce, millions of Americans do not even own credit cards. However, most do have a checking account. Accepting checks on a Web site gives merchants a sale-increasing edge over the competition.

Service Overview

With XPRESSCHEXONLINE^SM, merchants can easily accept and process electronic check payments directly from their Web site. Their customers can enter required account information and click a button to start the process.

All information is encrypted using secure socket layer (SSL) technology and transmitted to Electronic Clearing House (ECHO) for posting. Transactions are automatically settled within 48 hours if processed before the cutoff time.

The system then debits the customer's account electronically and transfers the funds into the merchant's account. The bank routing numbers (at the bottom of the check) are verified automatically, to detect input errors and also to ensure the financial institution exists. A receipt is generated and a copy is e-mailed to the check writer.

Benefits for Any Web Business

If the account number is incorrect, the system notifies you .

NSFs? The system collects NSF items automatically ... without any fees!

Fast and easy to manage. Unlike many Internet check options, there are no paper checks generated for manual deposit at your bank.

Save on credit card processing fees.

Merchants can access reports via the Internet 24 hours a day, 7 days a week. These reports will facilitate the merchant's bank statement reconciliation.

Improve merchant’s cash flow. Funds are settled within 48 hours.

Captures "impulse" buyers when they’re ready to buy.

Find out more! Call us today at:1-800-291-3242.
Or, send an e-mail message to sales@echo-inc.com

www.echo-inc.com