Electronic Check Service

Continue to offer your customers the convenience of paying by check, while also reducing the risks associated with checks. Semper Payments clients can convert all paper checks – consumer and business – into safe, efficient electronic transactions.  By submitting checks through the same system that you use to authorize credit cards, you can significantly lower costs and enrich your cash flow.

Choose from three different service levels:

Conversion w/ Guarantee

• Guarantees the funds & converts the check to an electronic transaction.

• Merchant shifts the risk of returned items to the guarantor.

Conversion w/ Verification

• Verifies that the check is currently “good” & converts the check to an electronic transaction.
• Merchant retains the risk of returned items.

Conversion w/ Verification & Collections

• Offers the advantage of Conversion w/ Verification and utilizes a third party provider for collection efforts.
• Merchant retains the risk of returned items.