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eSilver combines check verification services with Electronic Check Presentment via the Automated Clearing House.For a low per transaction fee, the merchant receives traditional check verification services, electronic deposit of daily transactions, and ACH recovery. Merchants are no longer required to manually deposit checks in their financial depository institution. This is the same as but with no check guaranty.

eGold combines all the features of verification and electronic check processing with the guarantee of most verified checks.
Once the automated deposit process is performed, the merchant will be funded on all verified checks. If any submissions are rejected through the ACH, those items will automatically be processed without affecting the merchant's bank account. There are no manual requirements for the merchant to receive funding on returned items, other than submission of a copy of the signed customer authorization slip upon request. Once again a comprehensive statement will be provided to the merchant reflecting all check and deposit activity for that billing cycle. With eGold, the merchant not only saves on banking and accounting costs, but can significantly reduce losses from bad checks. A complete image capture of the check taken at the Point of Purchase is available 24/7 securely online. Transaction and deposit tracking is provided to merchants for tracking deposits and funds availability.

 

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