ACH & Check

Checks Are Here to Stay!

45 million U.S. consumers have a checking account but not a credit card. 32 million do not have a debit card.  

Using leading risk assessment technology and the nation’s most complete database of check-writer history, ChargePoint uses the industry’s leading check company that evaluates and advises whether to accept or decline a transaction so you can close a sale instantly. And with warranty service option, you’re protected against bad check losses—giving you peace of mind.

Introducing: ePN Mobile RDC

ePN Mobile RDC

ePN Mobile RDC allows merchants using the ePNMobile app can process paper checks by taking a picture of the front and back of the check. It is great for many industries like  contractors, builders, delivery drivers etc. who accept checks on the road. Also, its Check 21 – not ACH – therefore ANY type of check can be processed. 

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ACH Debit and Credit

ACH Debit enables merchants to process authorized debits from a consumer or business checking account. Debits can be scheduled for a one-time charge or for recurring billing. Using a web-based interface and a PC, merchants can electronically deduct authorized payments from a client’s account for faster, safer processing. Scheduling customer billing has never been easier.

Explore Flexible Program Options

Single ACH Debit

Process a one-time debit from a business or personal checking account with Single ACH Debit. The customer will sign a written authorization instead of a check. Merchants can enjoy the added security of optional Guaranteed funding to eliminate risk.

Recurring ACH Debit

Recurring ACH Debit allows merchants to schedule payments to occur on a regular basis. Transactions will process automatically on the scheduled dates. This program is ideal for businesses in property management and those offering monthly memberships or services.

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Checks-By-Phone enables merchants to accept and process checks from their customers over the phone. Written or recorded verbal authorization is obtained to debit the customer’s checking account. This is the ideal solution for call centers and suppliers.

Discover the benefits of Checks-By-Phone

Improve Cashflow

Enjoy quick access to funds in as little as seven business days 

Easy Authorization

Quickly debit consumer checking accounts after receiving verbal authorization

Fewer Fees

Banking fees and paper check handling costs are virtually eliminate

All-in-One Solution

Support multiple locations and users 

Simplify check recovery

Automatic notification of non-sufficient funds items and automatic resubmission

Enjoy convenient funding

Funds are electronically deposited into your existing bank account (no separate account required)

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The consumer is able to initiate a debit payment for Bill Pay or eCommerce on a Merchant’s website or payment gateway. Merchants can significantly increase sales potential and earn repeat customers by offering this simple and convenient online payment option.

Discover the benefits of Checks-By-Web

Fast and Convenient Funding

Enjoy fast access to funds in three to seven business days.

Automated Process

Automatic notification and resubmission of NSF items.

Less Costly

Check handling labor and costly banking fees are eliminated. And, no more filing paper claims for bad checks.

Convenient Funding

Funds are electronically deposited into your existing business bank account.