More and more retailers across the nation are benefitting from check conversion - the process of converting paper checks to electronic items at the point of sale (POS).  Point-of-Sale XpressConversion POS Check Service lets you:

• Authorize checks in real time with funds held for you by banks in the VISA Check Network.
• Reduce paper handling at the point of sale.
• Reduce check acceptance costs and risks...even a guarantee option.

The POS Check Service is a practical solution for all merchants who accept paper checks at the point of sale.

Improvements For Your Retail Business

The POS Check Service offers your business a variety of benefits:

• No checks to deposit. Eliminate bank depsoits and return fees.
• Streamlined back office. No checks to count during end-of-day closing.
• Limited risk. Guarantee option!  Plus, you know the check is covered when you have authorization direct from consumer banks.
• Fast availability of funds. Automatic settlement, assuring speedy credit to your business checking account.

Improved Customer Service

What's good for your customers is good for your business.  Your customers benefit from:

• Speed and convenience at checkout.
• Privacy...checks returned at POS minimized the exposure of personal check data.
• Better record keeping...transaction details appear on bank statements.

Service Options Put You In Control

• Conversion Only. The check authorization message is routed to your customer's bank or BancTech/ECHO's check database to determine whether account is open or closed.  You retain the risk.
• Verification with Conversion. Checks are verified at your customer's bank for sufficient funds or are given an accept or decline decision based on access to BancTech/ECHO's database.  You retain the risk.
• Guarantee with Conversion. Checks are guaranteed for payment.  BancTech/ECHO assumes the risk.

Easy Check Processing for Your Back Office

XpressConversion with VISA POS speeds up service at the POS and simplifies your back office processing too.

• No checks to list or verify.
• Complete on-line and terminal-based reporting.
• On-line reporting of your transactions.

Why Choose the XpressConversion POS Check Service?

In developing the POS Check Service, VISA drew on its experience as the world's leading consumer payments network.  To learn more about the XpressConversion POS Check Service and the real-time check authorization it provides, contact us using the link below or download the brochure for future reference.

VISA POS Brochure