Virtual CheckPay™

Virtual CheckPay enables merchants to accept check information from their customers and securely process it electronically through our secure, web-based virtual terminal. Funds are cleared through the Automated Clearing House (ACH) Network by directly debiting the customer's bank account.

Virtual CheckPay is an IP (Internet Protocol)-based virtual terminal and is ideal for merchants that want to provide their customers with several payment options by accepting checks from those that may not have credit cards. A large number of consumers do not have credit cards and rely on checks as their primary means of payment.

Merchants benefit from lower transaction costs by accepting check information by phone or mail and processing it electronically. Virtual CheckPay eliminates waiting for checks to arrive by mail and trips to the bank to deposit funds.

Virtual CheckPay is one of three payment types available through our virtual terminal. The other payment types are:

• VirtualPay (card-not-present credit card processing for mail or phone orders)
• VirtualPay POS (Point-of-Sale card-present credit card processing)

Merchants That Will Benefit From Virtual CheckPay

Virtual CheckPay is ideal for merchant that accept payments by phone and mail and want the flexibility to accept checks as well as credit cards.

Virtual CheckPay Screenshot

View Virtual CheckPay actual size (link opens new window)	View Transaction Response page actual size (link opens new window)

Features and Benefits

• 24.7.365 Toll-free live merchant technical support.
• Easy and efficient to use for improved sales and customer service.
• Reduce check processing costs.
• Secure ACH transaction processing.
• Accept check information over the phone or by mail and process it securely electronically.
• Funds are transferred by the Automated Clearing House (ACH) Network by directly debiting a customer's bank account.
• Merchants can access the system with a single login or multiple logins.
• No dedicated phone lines, setup or point-of-sale hardware required.
• Eliminate trips to the bank to deposit funds.
• Track transaction details and settlement functions using the online Merchant Support Center.
  
  

Fraud and Security Protection

Payment Processing, Inc provides the best available security technology with 128-bit SSL (Secure Sockets Layer) encryption and fraud detection using AVS, CVV2, CVC2 and CID verification services.