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Solutions: Credit/Debit | Recurring Transaction | Convert-A-Check | eProcessing | Special Interchange | Fleet Cards,EBT,etc. | Equipment

 
Don't be afraid to take checks anymore!

Benefits of
Convert-A-Check
 

Eliminates Returned Check Fees

 

Reduces Check Fraud

 

Speeds Customer Check-Out

 

Funds are available within
2-3 business days

 

Complete transaction reports
on bank statements

 

No bank trips to deposit paper checks

Eliminates Deposit Item Fees

Sophisticated Settlement and Clearing

 

 


Processing Equipment

Of course, no solution would be complete without the devices needed to process your customers' cards. Merchants Bankcard Systems of America provides a complete line of processing equipment to fulfill your needs. Find out more about our processing equipment here.

 

 
 


Merchants Bankcard Systems of America offers a robust electronic check processing service called Convert-A-Check. Our solution is flexible for every type of business need. Choose from conversion with or without guarantee of funds. You can choose the solution that tailors your individual business need the best. Below is a breakdown of the differences between the two.

Conversion with Guarantee

The solution for merchants who accept a large number of checks from a large client base.

Checks are converted to an electronic transaction and are accepted with the same convenience as credit cards.

Transactions are funded within 48 hours.

Eliminates worry of insufficient funds.

Zero responsibility for collection of returned checks.


Conversion without Guarantee

The solution for merchants who accept a large number of checks from familiar customers.

Checks are converted to an electronic transaction and are accepted with the same convenience as credit cards.

Transactions are funded within 48 hours.

 

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How Convert-A-Check Processes Payments

The Consumer
1
Writes a paper check
2
Hands the check to the merchant
3
Signs an authorization slip
4
Get the check back, stamped "ACH Processed"
The Merchant
1
Takes the check
2
Scans the check
3
Gets a Guarantee Approval or ACH Authorization
4
Prints an authorization slip
5
Writes the customer's phone number on the slip
6
Stamps the check "ACH Processed" and gives it to the customer
Convert-A-Check
1
MICR codes imprinted on the bottom of the check are sent from scanner to Convert-A-Check
2
Codes are checked against a database of check writers
3
Bank account and routing number are verified as active
4
Authorization and/or guarantee number is sent to merchant
The Bank
1
Customers' and Merchants' banks are notified of the transaction
2
Customers' bank is debited and Merchants' bank is credited
3
Funds clear within 48-72 hours after transaction, typically much faster than a paper check

 

 
 
 

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All Rights Reserved.
If you would like more information: Contact an Agent.

Merchants Bankcard Systems of America is a registered ISO/MSP of First National Bank of Omaha. American Express requires separate approval.