Electronic Checks-by-Phone Processing

For businesses transacting sales by phone or over the Internet, offering alternative payment options to customers who do not have credit or debit cards is essential. With 1NPS Checks By Phone Processing, companies can process non-face-to-face check payments simply and efficiently.

This solution is perfect for a wide variety of businesses including mail order, telephone order, catalog companies, and as an alternative payment option for web sites. Check By Phone authorizations and funds settlement are processed in real-time. Merchants can reduce handling time by immediately shipping merchandise instead of waiting for a check to be received in the mail and then clear the bank.

Our user-friendly web interface streamlines operations, improves customer satisfaction and cash flow. The merchant simply enters the consumer’s account information from the face of the check into the secure gateway. The consumer and their account information is verified in real-time and an Electronic Funds Transfer (EFT) to debit the consumer’s checking account is created, and the funds are deposited into the merchant’s account. Online reporting displays transaction and funding reports as well as the status of individual transactions. Single and multi-user options are available.

Checks By Phone Benefits

  • Allows merchants to accept and process checks over the phone
  • Eliminates the need to wait for checks to arrive in the mail
  • Facilitates sales from customers not able or willing to use a credit card
  • Reduces lost sales from customers who never mail their check
  • Enables merchants to fulfill orders more quickly
  • Increases productivity through streamlined operations
  • Improves customer satisfaction
  • Reduces or eliminates check deposit and returned check fees

Interested in what 1st National can do for your business? Give us a call or complete our “quick quote” request. Between our well rounded inventory, Class A Settlement Banks & Processors, and a full suite of Merchant Services, our talented agents are sure to be of value.

Toll Free: (877) 964-1622

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