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The Automated Clearinghouse (ACH) is an electronic payment delivery system. First introduced in the early 1970s as a more efficient alternative to checks, ACH has evolved into a nationwide mechanism that processes electronically originated credit and debit transfers for institutions nationwide. ACH is a rapidly growing alternative to paper checks and handles billions of payments annually. In fact, online checks will rise in value from $300 million in 2000 to $5.2 billion this year.

When businesses overlook ACH Paperless Checks, they lose the opportunity to nearly double their Internet sales. By offering paperless check processing, businesses contribute to their bottom line by expanding their potential customer base. Many customers either do not have credit cards or they prefer to pay with checks. Now, businesses can easily accept checks online with Online Check. This service allows customers to securely purchase products and services using their existing checking or savings account while allowing businesses to expand their online payment options beyond credit cards.

Merchant Partners is a pioneer in the transaction processing arena, and we continue to consistently provide our customers with leading edge products, ensuring every competitive advantage. Merchant Partners was first-to-market with paperless checks and today is second to none in paperless check processing.

Why Accept Checks?

  • 89% of U.S. adults have a checking account
  • 86% of all business payments are by check
  • 23% of households do not have a credit card
  • 45% of all credit card holders are within 5% of their credit limit
  • 83% of all consumer bills are paid by check
  • 80% of all non-cash payments are by check
  • 10 million households without credit cards are online
  • 74.6 million Internet check transactions in 2001
  • 233 million Internet check transactions in 2002

Over 450 million Internet check transactions in 2003

(The statistics quoted above were gathered from NACHA and the U.S. Federal Reserve)

Check Processing Services via Merchant Partners

ACH Check Transactions (click for benefits)

Merchant Partners ACH Checks provides a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their Web site's storefront or through the Merchant Partners Virtual Terminal. By accepting electronic checks, merchants are able to expand the payment options available to their customers and potentially increase their sales.

Check Guarantee (click for benefits)

Check Guarantee is the most commonly used check service allowing the merchant to “insure” the face value of the check and protecting the merchant against checks written on non-sufficient funds (NSF). Merchants obtain electronic approval or voice authorization for the transaction and then deposit the checks. Checks that do not clear can be submitted for reimbursement.

Electronic Check Conversion (click for benefits)

Check Conversion you can convert your customer's paper check into an electronic ACH transaction and process it using the same gateway process you use for all of your other electronic payments. Just scan the paper check through a check reader at the retail Point of Sale. Once the check has been converted, it is electronically processed just has if you entered it in directly via the Virtual Terminal. The original check is voided and handed back to the customer --- no paper processing is required!

Paperless check processing does not require an Internet merchant account, therefore businesses enjoy lower processing and transaction fees.

  • Online Merchant Center - provides enterprise back-office services featuring robust reporting and utility options. Merchant Partners provides businesses the tools they need to effectively manage their online business.
  • Industrial-strength security screening - ensures customers 100% online purchasing security over secure socket layer (SSL).
  • Fraud and Risk Management (FRISK) - customizable fraud and risk management system that allows businesses to employ an optimal level of protection for their business. The result is maximized sales and minimized risk.
  • Dedicated support - provides advanced and reliable client support. Merchant Partners gives businesses the personal attention and responsiveness they need to succeed online.

Need more information?

Our experienced customer service representatives can step you through the process and answer any questions you have about processing payments on your web site.

Contact Merchant Partners to have one of our representatives contact you within one business day.

Additional Services From Merchant Partners

Merchant Accounts / Credit Card Processing

Our partnerships with leading account providers will help you get your business up and running quickly. Accept all major credit cards, including Visa, MasterCard, American Express, Discover, Diner's Club, and JCB via Online Charge™ .

Automated Recurring Billing

Easy to use automated billing of recurring payments.

Fraud and Risk Management

Customizable fraud and risk management system helps you maximize sales and minimize risk.

Membership Billing

Add "premium" content areas to your web site that can only be accessed for a fee.

Online Merchant Account

The first step toward accepting payments online is to acquire an Internet merchant account. Without a merchant account, businesses cannot accept credit cards and may miss out on more than 60% of their sales opportunities.

Wireless Payment Processing

Merchant Partners Software wireless capabilities give you the option of processing transactions from any location that your WAP enabled phone or wireless PDA has service.

For More Information

Call 1-866-783-0809

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"Merchant Partners Electronic Check Processing has allowed us to increase revenue streams by provinding enhanced check services to our clients"