Payment Services

Check Processing Services

WDS Check processing programs transform check acceptance into risk-free electronic payments using the latest technology. Our check processing programs provide a revolutionary approach to check acceptance that will satisfy the check-writing customer and give businesses the convenience and security of an electronic payment. Our programs use the information on the customer check to create an electronic payment at the point-of-sale (POS). Specifically:

  • The check is scanned
  • The transaction is verified and authorized
  • The POS terminal is settled and funds are electronically deposited into your bank account
  • The funds may be guaranteed

Featured Check Processing Programs:

Check 21 Plus - This comprehensive check processing solution allows businesses to electronically process all types of checks - personal and business. WDS Check 21 Plus supports checks that are accepted at the POS, as well as instances where the check writer is not present, such as mail-in, drop off, or a lock box environment. WDS Check 21 covers the full spectrum of check processing solutions. Check 21 Plus is currently certified for use only with the 4Access terminal.

  • Check 21 Plus supports both guaranteed and non-guaranteed funding and is tailored to retail customers where face-to-face business is prevalent.
  • Check 21 Plus Remote Deposit Capture (RDC) supports businesses that receive check payments when consumers are not present. It replaces ARC Lockbox and Back Office Conversion (BOC), and can be setup as guaranteed or non-guaranteed funding.

Benefits of WDS Check 21 Processing Services:

  • All types of checks are acceptable with WDS Check 21 Plus – personal, business, corporate, equity line checks, government Section 8 rent checks, money order and travelers checks.
  • Ideal for BOC/ARC and POS environments
  • Sales typically increase by accepting all types of checks
  • Funds are generally released to your business within 2 business days

Check Processing Programs for Personal Checks:

eGold Check is an electronic conversion service with guaranteed funding for accepting personal checks. Required in a face-to-face environment, you swipe the check turning it into an electronic transaction, similar to a credit card, and hand the check back to your customer.

eGold Quick Service Program is customized for specific business types where the average check payment is $25 or under.

eSilver Check is a convenient conversion service for businesses accepting personal checks who historically do not have a bad check problem, but like the benefits of electronic conversion. Also required in a face-to-face environment, you swipe the check and hand back to your customer, eliminating the need to manually deposit the check in to your bank account. Funds are not guaranteed as authorization only verifies the check writer has a zero problem history.

Checks-by-Phone is a convenient program for accepting personal checks over the telephone, only requiring that you use a virtual POS to input each transaction. Guaranteed and non-guaranteed funding options are available depending upon your needs.

WDS Check Recovery this revolutionary approach to collecting non-sufficient funds (NSF) checks will satisfy businesses as well as their customers. WDS Check Recovery provides businesses with a fast, simple method of collecting funds on returned checks, and provides access to this simple service at no additional cost. WDS Check Recovery will electronically recover NSF checks, which will save you time and money trying to collect on such items. Features Benefits:

  • All collected checks are paid weekly
  • Collections are processed on any US bank within the Federal Reserve System
  • Out of town checks are handled as easily as local checks
  • You will have more time to manage your business instead of spending time collecting bad checks
  • Cost of collecting NSF checks is passed onto the customer

WDS can be your consultant regarding best way to accept checks for your business. Contact Us