Retail Merchant Service Guide!

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One of the largest drawbacks of accepting paper checks is it leaves you open to fraudulent and bounced checks. With a check guarantee program, you no longer have to worry about bounced checks!

Choose one of the check guarantee programs below.

Standard Check Guarantee

You simply process the check by entering the information into the terminal's keypad. If approved, you will receive an approval code and your funds are guaranteed. The check is then deposited at your local bank and any returned checks are to be mailed to the check company for reimbursement.

There is no extra equipment required to process the checks.

Check Processing Rates:

Service Fees	Rate
Application Fee	$25.00
Discount Rate	1.69%
Transaction Fee	$0.25
Monthly Service Fee	$10.00

Check Guarantee & Conversion
You simply slide the check through your check reader and it is processed electronically through the ACH

network. Your funds are guaranteed and automatically deposited into your checking account within two business days. You stamp the check "ACH" and return it to the customer. An external check reader is required for this service.

Additional Benefits - Compared to Standard Check Guarantee

Avoid extensive paper handling (sorting, deposit, etc.) by employees
Faster availability of funds, especially for out-of-state checks
No paper claims to file for bad checks
Detailed online reporting available

Check Processing Rates:

Service Fees	Service Rate
Application Fee	Waived
Discount Rate	1.69%
Transaction Fee	$0.25
Monthly Service Fee	$10.00
Required Check Reader (if needed)	$209 (one-time investment)