ECHO POS Check Conversion  
Real Time Check Conversion

POS Check Service: It Works for Your Business

The ECHO POS Check Service is a practical solution for all merchants who accept paper checks at the point of sale:
• Grocery and convenience stores
• Specialty retailers
• Automotive service and supply
• Dry cleaners and clothing stores
• Professional and medical services
• Florists
• Photo studios
• . . . Virtually any business that accepts checks


Service Options Put You in Control

• Conversion Only. The check authorization message is routed to your customer’s bank or ECHO’s check database to determine whether the account is open. You retain the risk.

• Verification with Conversion. Checks not verified at the bank account are given an accept or decline decision based on access to your customer’s bank account or to ECHO’s NCN database. You retain the risk.

• Guarantee with Conversion. Checks are guaranteed for payment. ECHO takes all the risk.

Risk Protection Against Returned Checks

Authorizing checks with the POS Check service offers effective “pre-screening” of checks before you accept them. With this check conversion service, you have a choice of two ways to protect yourself against returned items.

Check Guarantee

With the Check Guarantee option, checks you accept for on-line processing are “insured” against being returned unpaid. ECHO takes all the risk against losses for all the checks authorized with the POS Check Service, so you rest easier.

Re-initiation of Returned Items

Even without check guarantee, you still enjoy protection from returned items. One of the key benefits of the service is the automatic collection process that collects returned items by “reinitiating” them up to two times. 

• The first re-initiation occurs within a few days of the returned item being received at ECHO. 

• If the first re-initiation is returned unpaid, we send a second re-initiation on the following payday, i.e., the first or the sixteenth of the month. (Improves the success of collecting the funds.)

Finally, if items are returned after three initiations, ECHO’s collection department can step in and make phone calls and mail collection letters. To do this, however, you must use an imager. 

“Passive Collections” occur after an item has been returned after three inititiations. The customer’s account number is added to the National Check Network negative database. When the consumer attempts to pay by check at one of the 100,000 merchants using NCN, his check will be declined, forcing him to call us and pay off the outstanding item.

For more information about ECHO Check Conversion, call 1-800-233-0406, ext 5. 

Call ECHO for information: 1-800-262-3246 Ext. 5

E-mail sales@echo-inc.com