vCheck is absolutely the best system for instantly accepting checks online, by phone, or by fax.

It includes a secure online form for your customers to complete (along with a special form for your staff to use for checks by phone or fax orders), you are instantly notified of new checks via email, and no re-keying of data is required. Your checks are created in ready-to-print PDF format - just print and take to the bank! This system is much faster and less expensive than ACH or EFT check transfers!

Are you tired of hearing "your check is in the mail"?

vCheck allows you or your client to enter their check information securely online which instantly creates a ready-to-print PDF. Just print on a blank check form and deposit at the bank.

Never a transaction fee or processing fee.

vCheck is NOT an ACH (Automated Clearing House) or EFT (Electronic Funds Transfer) system. In fact, Vcheck is faster, much less expensive and puts you in direct control of your incoming checks!

In essence, our system is simple to use, yet very full-featured. Even the basic, low-volume account offers advanced features such as Electronic Signature Capture, Check Form Customization and much more.

With vCheck, there is simply a single annual fee. Most ACH or EFT systems charge you a monthly gateway fee in addition to a per check fee and/or a percentage of the transaction - similar to a credit card merchant account. With Vcheck, there is NEVER per check or transaction fees.

Need more features?

Any vCheck account can be upgraded for a higher check volume or have any of the advanced optional upgrades listed below:

• - Recurring Payments
• - Optional Real-Time Check Verification
• - Multiple Company Administrators
• - Custom Email Receipt Contents
• - Check Batching

Is this done by Electronic Transfer (ACH or EFT)?

No. While Automated Clearing House (ACH) or Electronic Funds Transfers may seem to be a faster way to process a check payment, (see next question below) all such services charge a monthly "gateway fee", plus a per transaction (per check) fee and/or a percentage discount. Our system produces what is known as a one-time paper draft. A one-time paper draft does not require the account holder's signature and must be accepted by any US Bank.

Won't I get my money faster by using ACH?

No. Not necessarily. The vast majority of ACH transactions logged everyday are batched until around midnight - then all processed at about the same time, allowing for credits to be made to an account before debits are made. In other words, even if you submit an ACH transaction at 6AM, it won't actually get processed until around midnight or at batch closing.

Additionally, it can take 2 - 5 business days for ACH transactions to actually be credited to your account (much like the delay merchants experience when accepting credit card payments). So, ACH transactions can really take 2 - 5 days or more before the money is in your account.

However, with our Vcheck system, if your customer submits a check to you at 7:00AM, you can have it printed and ready to deposit in your checking account at 7:05AM. Since most banks make deposits made before 2:00 or 4:00PM available the same business day - The times it takes to get you money is basically as fast as you can get the vCheck checks to your bank!

What kind of computer or software do I need??

Nothing special. As long as you have a computer with an internet connection, a browser and a printer - you're in business.

The vCheck system is completely web-based. There is no software you need to download, install or update. Also, since it is a web-based system, you can access your password protected admin console from anywhere you have an internet connection.

Do I need to use Check Stock and/or Magnetic (MICR) Toner?

Although not required, we highly recommend that you print your checks on blank check stock. Check stock has all the security features the banks prefer to see, looks much more professional, and is micro-perforated for easy separation. Business size blank check stock can be purchased at Office Max, Staples and dozens of online stores.

MICR TONER

While not required, the use of MICR Toner may greatly expedite the processing of your printed checks. MICR Toner can be ordered for almost any laser printer. Most modern laser printers allow you to quickly switch between toner cartridges so you can print your checks with MICR toner and then switch back to standard toner for regular printing.

The cost for MICR Toner cartridges will vary depending on the model of printer, but will print a substantial number of checks due to the low use of toner per page of checks. For example, MICR Toner for a HP Laserjet 1100 costs about $79.00, with an average page yield of approximately 3000 pages of 3 checks per page check stock.