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Virtual Check 21
     AND Credit Card
Processing Services

At Check21.com we offer our customers
a variety of financial transaction proc-
essing services including, electronic
check processing, credit card processing,
and an e-commerce solution.

ABOUT US
OVERVIEW

   What is check 21 and how can it help you?

WHAT IS CHECK 21?

     The Check Clearing for the 21st Century Act (or Check 21 Act) is a United States federal law (public Law 108-100) enacted     into law October 28, 2003 by the 108th Congress. It took effect one year later, on October 28, 2004. The law allows the     recipient of a paper check to create a digital version, thereby eliminating the need for further handling of the physical     document. It paves the way for the industry to save billions of dollars and increase the speed in which checks are processed.

MISSION
STATEMENT

     Consumers are most likely to see the effects of this act when they notice that certain checks are no longer being returned to     them with their monthly statement even though other checks are still being returned. Another effect of the law is that it is now     legal for businesses to use a scanner to capture check images and deposit them, a process known as remote deposit.

MARKET
RESEARCH
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                                                                  Everything You Need To Know About Check21.com    Check 21 and Credit Card Brochure

COMPANY
HISTORY

  Virtual Check 21
  Service Benefits:

    Same-day fund availability.
       
    Lowers the amount of returned items (NSF's)
       
    Lowers the amount of monthly chargebacks.
       
   check Direct Merchant-to-Bank transaction submissions.
       
   check Negative check database and funds verification.

    Check 21 vs ACH:           

       Payment To Merchant:
            Check 21: Payment sent direct to merchant by
            clients bank sameday. No middleman or broker             receives funds.
            ACH: Payment sent to merchant by ACH broker.

       Payment Types:
            Check 21: Business Checks, Personal Checks,             Cashier Checks, and Money Orders.
            ACH: Consumer and Some Business Checks Only.
                                                            ACH vs Check 21 Comparison of Service
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Special Offer:
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