Check Re-Presentment & Recovery...

Reduce Workload And Improve Collections

Return check collection can be a real hassle and very time consuming.  American Payment Exchange LLC offers Returned Check Re-Presentment & Recovery and it will save your business time, money and effort.               


With Returned Check Re-Presentment & Recovery, your bank forwards  returned checks directly to our check-processing center where it is entered into a database and the check is re-submitted electronically within 24 hours via the ACH network.

Any check that fails to clear on the first re-presentment, is scheduled to be re-submitted on the 1^st or 16^th day of the month. These dates have proven historically to favor for collection recovery. Once the check enters our system, you will no longer be charged return check charges for the re-presentments we perform.

Most returned checks are collected with either the first or second re-presentment. However, the few checks that may fail to be collected with electronic re-presentment are automatically set up for traditional collection methods. We have a network of over 300 certified and trained collection agencies with service in all 50 states. The selected agencies have been screened and chosen based on their professionalism, ethics, reputation and certification qualification standards.

When the returned check is collected, funds are electronically direct deposited to your merchant bank account.

Our electronic check collection process is much faster and more convenient than any other method available, and it will work on any bank in the U.S. and its territories. With our Returned Check Re-Presentment & Recovery collecting returned checks has never been easier.

Merchant agreement requires:

• No sign-up fees
• No monthly minimums
• No limit on number of checks
• No special equipment needed

Now you can finally stop chasing down bad checks and concentrate on your business instead.

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