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United
Bank Card offers two core Check Services programs:
Electronic Check Conversion (ECC) and traditional
Check Guarantee. UBC is connected to several
negative check files and verification systems to
ensure the best possible service for our merchants.
With check conversion technology, merchants can
accept checks in the same manner as they would
accept a credit card. Merchants can see immediate
protection - and consequently savings - from bounced
checks, bank fees and time by using Check Guarantee
or Conversion services. Additional features include
stop payment protection, electronic deposits, 90-day
same-as-cash, as well as several other options and
premiums. Check Guarantee and Conversion offers a
wealth of services beyond the basic protection from
bad check writers. The service also offers
additional and flexible payment options for your
customers.
Electronic Check Conversion
Paper checks can now be accepted at the
point-of-sale just like credit cards. Electronic
Check Conversion can be easily added to your
existing credit card system. The process is very
simple and requires an imager/reader to be attached
to your terminal. The paper check is passed through
the reader and verified against a database of
negative files and bounced check writers. A match
will result in an instant decline. In some
circumstances, funds can made available through
supported ATM networks. If the check is approved,
the paper check must be stamped "ACH Processed" and
returned to your customer. The transaction is
complete at this point, and will be deposited into
your bank account within 72 hours, just like a
regular credit card transaction. The check
conversion program is supported by an online
reporting system, and 24-hour customer and technical
support. This solution saves you accounting time,
trips to the bank, accurate reporting, and most
importantly - no more bounced checks.
Check Conversion Program Highlights:
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Guarantee against bounced checks and NSF fees.
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Checks processed like credit cards with greater
merchant protection.
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Funds automatically deposited into merchants bank
account.
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Checks are processed electronically at the
point-of-sale.
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Check writer information verified against national
negative database.
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24-hour customer service and technical support.
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Online and Paper statement reporting.
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Requires a check imager to be attached to credit
card terminal.
Check Guarantee
Traditional
check guarantee is a logical addition to any
business at risk for accepting NSF or bounced
checks. Guarantee service can be easily added to
your existing credit card system. Checks can be
manually entered or swiped through a reader for
approval. Losses and fees from bounced checks can
be eliminated overnight. The guarantee system
verifies the check writers information against a
negative file and in some circumstances, uses the
ATM networks for confirming account balances. All
bounced check claims approved by our system are paid
within 24-hours. United Bank Card warrants our
check guarantee program will provide 10% fewer check
declines than our competition. In addition to the
guarantee service, your business will have access to
24-hour customer service and technical support, as
well as extensive paper and online reporting. Start
saving money and stop bounced checks.
Check Guarantee Program Highlights:
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Guarantee against bounced checks and NSF fees.
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Checks must be deposited at merchants bank.
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Check writer information verified against national
negative database.
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24-Hour customer service and technical support.
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Online & Paper reporting.
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Check reader is supplied free if you are a UBC
merchant.
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Stop Payment Protection.
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Checks on Delivery.
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Pay Over Time - 90 Days Same-as-Cash Check
Guarantee Protection.
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Check Guarantee on the Comstar Wireless terminal.
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Check Guarantee on a Virtual Terminal.
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10% Fewer Declines than our competition.
APPLY NOW! - If you are a United Bank Card credit
card merchant or are apply for a merchant account,
we will be happy to add check guarantee services to
your account and ship you a FREE Ingenico 2500 check
reader. Simply download the one page
application form below, complete and fax to 888
895-6811 with a voided business check!
Apply for Check Guarantee
Services
Free Online Check
Reporting and Support!
- We furnish all
of our check processing merchants with free online
check reporting and support. Check out our
online demo now, just click
here
and use the following login:
store number: 147833
PIN: test
Additional Information
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