Electronic Check Processing

The fastest, most secure and cost effective form of payment processing available.

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There are many benefits to electronic check processing.

Increase Sales

Many customers still prefer to pay using checks or money orders.

Reduce Costs

Electronic check processing carries the lowest cost per transaction of all payment processing options.

Clear Funds Faster

Clears up to 4 times faster than a traditional bank deposit.

Save Time & Less Hassle

Eliminate trips to the bank and go paperless.


Process More

Process large ticket sales of $2500+ more efficiently and cost effectively.

Work Less

Eliminate unnecessary, tedious tasks from your accounting staff responsibilities.

Schedule Payments

Easily set-up recurring intervals to automatically bill customers.


Reduce Employee Error & Fraud

Limits employee interaction and verifies consumer check payment history to reduce NSF’s.

Options to fit your business.

Two great solutions to choose from.

Check 21

Check21 gives merchants the ability to scan paper checks and have the images recorded, transmitted, deposited, and cleared electronically. This makes the need to manually deposit paper checks obsolete. Merchants will cut costs, save time, and streamline operations with Check21 making it a necessity for any business; including high risk merchant categories, that receive paper checks on a regular basis. Just a few of the benefits to Check21 are:

  • Check verification greatly reduces NSF fees, fraud, and potential for chargebacks.
  • A faster and more efficient process that greatly improves cashflow.
  • Save time by eliminating responsibilities necessary for depositing paper checks.
  • Extended 4-hour window to deposit checks greatly reduces stress to beat deadlines.
  • Lowest rates & fees of any payment processing service.

Learn more here

Check by Phone

Merchants use Check by Phone to accept checks over the phone, fax, or on a website. All transactions are conducted through a secure payment gateway. This is a real-time system that accepts, endorses, and deposits approved transactions directly into the merchant’s bank account within 24 hours. It is the perfect payment processing solution for merchants that cannot get approved for other merchant services.

  • 99.9% approval makes it a great solution for high-risk industries, TMF or MATCH listed merchants, poor credit, or history of bankruptcy.
  • Save time, money, and resources by eliminating filling out deposit slips, copying checks, trips to the bank, and reconciling check books.
  • It’s simple and automated. Simply enter customer payment information through the secure gateway and track deposits right to the bank.
  • Reduce return item and posting error by quick and accurate debit of customer’s account without ever handling paper checks.
  • Store all processed checks in a secure database and access them at any time.

Electronic check processing is an easy, convenient, and cost effective way to collect payments from your customers. Painless Processing offers these great solutions to a wide variety of industries including merchants within high risk categories. Our merchants get the lowest fees, experience the fastest approval times, and their transactions are run through the largest negative check database to assure safe and secure settlements.

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processing offers your business in greater detail.

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