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SECURCHEX

Guaranteed Conversion Plus (CONVG):

This product is ideal for the merchant that wants to use electronic check conversion to its fullest capacity. The merchant scans a check through the imager, and if the check is approved, Secure-Chex guarantees payment. Guaranteed Conversion Plus requires the use of an imager.

Guaranteed Conversion (CONVGM):

Merchants can have the benefit of electronic check conversion without needing to purchase an imager. The merchant scans the check through a MICR reader, and if the check is approved, Secure-Chex guarantees payment. Because Secure-Chex assumes more risk without an image of the check, the price for Guaranteed Conversion is slightly higher than for Guaranteed Conversion Plus.

Check Conversion (CONV):

This product is for merchants who have an established client base, and want to take advantage of the time saving benefits of electronic check conversion. Checks processed through the Check Conversion program are not guaranteed for payment.

Check Guarantee (VERG):

Check Guarantee is our paper-based product for merchants who want the security of knowing their checks are guaranteed for payment, but do not want to use Electronic Check Conversion.

Check Verification (VER):

Check Verification informs the merchant if the check-writer has negative information on the authorization network. Checks are not guaranteed.

Electronic Check Recovery (RCK):

The EMG Electronic Check Recovery (RCK) Program is a check collections program (no verification). It is specifically designed to recover funds from "non-sufficient funds" checks by converting them electronically via the Federal Reserve Banking System. The check writer's account is electronically debited the amount of the check and the state-allowed returned check fee.

 

Point-of-Sale Process for Electronic Check Conversion

The merchant must:
  1. Make certain the check-writer's driver's license number and state, work phone number, and physical address are on the front of the check before running it through the check reader/imager
    *If the check writer has no work phone number, then the home number can be written on the check. If there is no work number or home number, write "No phone."
  2. Run the check through the reader/imager
  3. Have the customer sign the receipt
  4. Stamp the check "ACH PROCESSED". Do not stamp the check until the customer has signed the receipt
  5. Hand the check and a copy of the receipt back to the customer
  6. Keep the signed receipt for records. (Secure-Chex may request a copy in the event of a dispute.)

 

Requirements for Guaranteed Conversion and Guaranteed Conversion Plus

  1. The paper check must be completely filled out and signed by the check-writer
  2. Amount of transaction must be the same as the check amount
  3. Check must be for goods or services. NO check-cashing
  4. The date the item is processed must match the date on the check
  5. Check-writer must sign the EFT/authorization receipt
  6. Signature on receipt and check must match

 

Requirements for Check Conversion (No Guarantee)

  1. The paper check must be completely filled out and signed by the check-writer
  2. Amount of transaction must be the same as the check amount
  3. Check must be for goods and services. NO check-cashing
  4. The date the item is processed must match the date on the check
  5. Check-writer must sign the EFT/authorization receipt
  6. Signature on receipt and check must match

 

Requirements for Check Guarantee (Paper-Based)

  1. The paper check must be completely filled out and signed by the check-writer
  2. Amount of transaction must be the same as the check amount
  3. Check must be for goods or services. NO check-cashing
  4. The date the item is processed must match the date on the check

 

Electronic Check Conversion Equipment Supported
Terminal Imager
Eliot 1000, 2000 RDM 6000 Series
Omni 37xx RDM 6000 Series, CR1000i, Magtek
Hypercom T7Plus RDM 6000 Series

Nurit 2085/2085+, 3000/3000+, 8320

 RDM 6000 Series, enCheck 2500, Magtek
Talento RDM 6000 Series, Magtek
IVI CM 3000 w/P250 or P900  

 

Check Guarantee (Paper-Based) & Check Verification Equipment Supported
Terminal Check Reader
Tranz 330, 380, 420, 460 MICR Entry, Magtek compatible
Omni 3750

MICR Entry, Manual MICR Entry, Magtek Compatible
Hypercom T Series

Manual MICR Entry Only, Magtek compatible

Nurit 2085/2085+, 3000/3000+, 8320

MICR Entry, Magtek compatible
Talento

MICR Entry, Manual MICR Entry, Magtek Compatible
IVI CM 3000 MICR Entry

 

Electronic Check Conversion Exclusions

The following items cannot be ACH processed:
  • Third Party Checks
  • Payroll Checks
  • Temporary Checks
  • Checks drawn from non-USA banks
  • Checks not written for goods or services (No check-cashing)
  • No post or predated checks
  • Money Orders
  • Traveler's Checks
  • Business Checks- unless the signer of the check is the bearer of the check and the signer of the receipt