Buck A Check™
Real-Time Check Guarantee & Conversion

Merchants tend to shudder when a customer pulls out their checkbook to write a check for a purchase made in their business. It reminds me of the sign behind the counter of a local store that reads, "We will be happy to take your $50.00 check with a $100.00 cash deposit".

Well, it is time to relax your stringent check acceptance rules now that Credit Card Processing Services, in conjunction with POS Option Solutions, has developed a process for your company to verify, authorize, and convert checks using real-time checking account data. What makes this check program different from others in the marketplace is that it utilizes the same EFT networks used by ATM's which allow authorization against actual DDA accounts and actual DDA balances. Other programs typically dial into a negative database of previous check offenders without regard to current intentions.

We are able to perform this program because of a unique partnership called SafeCHECK™ which is comprised of 21 of the largest banks dedicated to converting checks to electronic transactions along with the 3 largest EFT switches. This list of member banks is growing. The current members account for over 50% of the checks written in the United States.

Financial Institutions

EFT Switches

By utilizing this real-time check debit program a merchant can now electronically perform the following functions:

• Access the check writer's bank account in real-time and inquire about the status of the account against which the check is drawn:

Is the account open, closed, or frozen?

• Access the check writer's bank account in real-time and inquire about the availability of sufficient funds in the account:

Immediately know if the check writer has sufficient funds to cover the check!

How The Program Works

1. The customer writes a check for goods or services in the normal manner.

2. Merchant runs check through the electronic check reader (9 second auth time).

3. Merchant then stamps the check (stamp provided) with a pre-inked stamp that
reads "Void - Electronically Processed" and hands the check back to the
customer.

4A. If the DDA account is drawn on a SafeCHECK member the transaction is sent to the SafeCHECK EFT network to verify funds availability. Checks may be written for any amount as long as funds are available.

4B. If the DDA account is a non-participating account the transaction is converted to an ACH conversion transaction. Checks up to $300.00 are guaranteed. Checks
over $300.00 are guaranteed up to $300.00 and are funded after the verification
of available funds.

5. POS Option Solutions directly deposits the settled check funds to the merchant's business checking account in 48 hours (just like credit cards).

Here is the Pricing

* Special pricing available for high volume merchants

Signing up for this program is easy. Simply click on the Merchant Application button on the left side of this page. Print out the 3 page Merchant Application & Agreement. Complete the fields and sign the 3 signature areas. Then fax the completed pages along with a voided business check and the items highlighted on the app in red to 215-489-7880.

If you would like more information please complete the "I Want More Info Form", email us at info@ccps.biz or call Kevin direct at 215-489-7878.