BackOffice Conversion  |  How it Works  |  FAQ  |  Equipment Options  |  Legal Requirements  |  Why BackOffice Conversion?

• Retailers/billers convert payments received at the Point of Sale (POS) or manned bill payment locations to ACH.
• Checks become ACH transactions for electronic processing by imaging the check prior to submission to a bank.
• Check is authorized the same way it is now (at the POS).
• Retailers image all checks in their back offices.  Only the front image is required.
• Retailers deposit a batch of checks electronically.
• Checks are settled and sorted using a lower-cost method in the back office.
• Retailer destroys the checks after settlement.
• Payment is processed as an ACH transaction.