iCheck

Online Check processing offers you the ability to accept payments over the phone or internet from customers. Many people don't have a credit card over 80 million to be exact and many that do have credit cards are at their maximum credit limit. Online Check processing allows you to expand on your customer base with additional payment options. Here are some of the benefits of Online Check processing:

• No more invoicing then waiting for payments
  
  
• Eliminate cash on deliveries
  
  
• No more waiting for the checks in the mail
  
  
• Increase market reach      
  
  
• Expand your market
  
  
• Increase cash
  
  
• Convenience for your customers by offering added payment options
  
  
• And much more……………
  

ACH

iPayline’s ACH Services (Automated Clearing House) provide you with the ability to transfer funds electronically without the use of paper checks. Transactions involving deposits and the collection of payments on behalf of employees, customers and suppliers are processed as an electronic item through the ACH system. ACH transactions save time and money by using pre-authorized electronic transactions rather than using costly and time-consuming paper based options.

iPayline uses a consultative approach to produce creative, tailored ACH service packages. iPayline provides you with ACH functionality and flexibility that is critical in customizing systems that complement your requirements for disbursements and collections. iPayline provides debit and credit transactions and we are committed to delivering them in a timely, accurate, and responsive manner to those merchants that can be underwritten in compliance with NACHA Rules.

Advantages:

• Cost Effective: In most cases, electronic transactions are less expensive to initiate and reconcile than paper instruments.
  
  
• Flexible: Transaction information can be transmitted to us in batch files or as individual transactions in real time.
  
  
• Secure: iPayline's high-level security standards, which include a variety of internal checks and balances, help protect the accuracy of your ACH information.
  
  
• Reliable: As with other banking services, iPayline has established key quality indicators for our ACH processing which are tracked regularly.
  
  
• Dedicated Customer Service: As with all iPayline services, we are committed to supplying superior technology systems, customer service, and sales support for ACH originators that process transactions through our company. We have dedicated substantial resources to achieving the highest levels of customer support.

Bank Drafts

Bank Drafts (also called Paper Drafts and Pre-authorized Drafts) are an alternative for merchants that have a desire or need to accept check payments by phone but may not be a candidate for ACH processing because they operate an outbound call center or sell products or services that may receive returned items in excess of NACHA Rules.

iPayline provides merchants with an end-to-end solution that makes processing Bank Draft transactions almost as easy as processing ACH transactions.

We print, deposit, report and credit your account using the same proven technology that we use to process ACH transactions.

Bank Drafts comply with FTC Regulations and NACHA Rules for use with outbound telemarketing transactions and can also be used by merchants in the Infomercial, Membership and Collections industries.

• Cost Effective: Our transaction costs are comparable to other processors ACH fees. iPayline provides an end-to-end Bank Draft solution that makes processing paper items almost as easy to process as electronic transactions. Our reporting makes reconciliation of your accounts quick and easy.
  
  
• Flexible: Transaction information can be transmitted to us in batch files or as individual transactions in real time. Many merchants that are not qualified to originate ACH transactions can use Bank Drafts.
  
  
• Secure: iPayline's high-level security standards, which include a variety of internal checks and balances, help protect the accuracy of the information that you provide to us.
  
  
• Reliable: As with other banking services, iPayline has established key quality indicators for our Bank Draft processing which are tracked regularly.
  
  
• Dedicated Customer Service: As with all iPayline services, we are committed to supplying superior technology systems, customer service, and sales support for our Bank Draft originators that process transactions through our company. We have dedicated substantial resources to achieving the highest levels of customer support.