Electronic Checks & ACH

Accepting checks is now as easy as accepting credit cards by automating check acceptance at the point of sale.

With each authorized check, funds are electronically processed and deposited into your merchant account.

That means:

	Eliminate bounced checks
	Avoid lengthy trips to the bank

	Reduced bank fees
	Less paperwork.

ACH (eCheck)

	Verify the bank routing number, account numbers along with the consumer information against a positive and negative database to ensure the check writer does not have unresolved returned checks
	Setup recurring bank drafts and process payments from clients using the bank account information
	Reduce chargeback timeframes
	Reduce processing fees by avoiding Interchange

Electronic Check Guarantee

	Reduce check-handling time and costs, streamline back-office processes, minimize errors, speed funding and offer customers greater security
	Eliminate bounced checks. Our systems guarantees approvals up to $35,000
	Convert checks to electronic transactions to avoid trips to the Bank
	Improve cash flow and streamline back-office operations

Mobile Check Acceptance

	Easily authorize and deposit all types of checks and money orders by using your smartphone or tablet
	Check writer signs the disclosure notice on the mobile device, then hands the check over to merchant
	Merchant takes picture of front and back of check, and enters the amount and ID information
	Optical Character Recognition (OCR) and image quality is performed on check image
	SkyBank conducts risk assessment and issues approval or decline decision
	Merchant is funded within two banking days

SkyBank Financial