Merchant Check Processing Account Application...
Application Document Requirements
In
addition to securing approval for Check Processing though the Federal
Reserve Bank Gateway System,
the information submitted provides a better understanding of your your check
processing needs and helps us recommend the most cost effective processing
solutions. Merchant check processing document requirements are listed
below for each Check Processing Type.
Contact
Us direct if you need assistance.
Merchant
Check Processing Types:
Please select the check processing type
being applied for and submit the items
listed by mail or UPS delivery along with the completed application form.
Electronic
Check Conversion Services
Check
Guarantee Services
Check
Verification Services:
Retuned
Check Services:
Virtual
Terminal
Services:
With Secure
Web API (Application Protocol Interface) &
Virtual Terminal PC Computer merchants can accept:
Recurring
Payment
Services:
With Recurring
Payments Manager
Wireless
Remote Off-Site Check Processing Services:
For Delivery Drivers,
Outside Sales, Trade Show Booths & Flea Market Merchants
Note:
Approval within a specified time frame requires an Application that
is completed with all required information and
documentation items listed. Approval processing time excludes holidays
and weekends.
VISA
POS
Check Conversion Service
- Approval within
5 - 7 Business
Days
Criteria:
For all
merchants accepting paper check transactions at the point-of-sale.
Check
Imaging:
All paper checks are imaged with a check imaging
device at the point-of-sale.
Check
Processing Equipment: A
suitable processing terminal device and check imager will be required.
Such equipment must meet acceptable equipment certification standards.
See Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
4.
A "Merchant Profile Form" signed by merchant
5.
A copy of the business sales tax permit
6.
Photos of business (One interior and one exterior) that show signage, address, inventory,
store fixtures, etc.
7.
A copy of current month merchant bank statement. The business name on the
bank statement must match the name of the business on the application.
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Check
Guarantee Services:
- Free
Check Guarantee Small Ticket
Program -
Approval within
48 - 72 hours
Criteria:
For all
merchants accepting paper check transactions with small average ticket sales of
$30 or less.
Monthly
Check Volume =
No minimum or maximum requirements
Checks
Qualified For Guarantee = All
returned checks for amounts up to $25 per check drawn from a USA Bank will be
guaranteed provided they meet the following requirements;
- Checkwriter Name, Street Address, City &
State written or printed on the check (PO Box Address Not Accepted)
- Checkwriter Phone number is written or
printed on the check
- Checkwriter photo ID number is written or
printed on the check
- "RCK" Authorization, stamped
Checkwriter acknowledgement notice is stamped on check and signed by
Checkwriter
See Details about this
service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
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- Standard
Check Guarantee -
Approval within
5
- 7 Business Days
Criteria:
For all
merchants accepting paper check transactions with Standard Check Guarantee
or for Electronic Check Conversion of paper checks at the
point-of-sale with Guarantee.
Monthly
Check Volume =
No minimum or maximum requirements
Checks
Qualified For Guarantee = All
checks for amounts up to the underwriting approved limit per check drawn from a
USA Bank will be guaranteed provided they meet the following requirements;
- Checkwriter Name, Street Address, City &
State printed on the check (PO Box Address Not Accepted)
- Checkwriter Phone number is written or
printed on the check
- Checkwriter photo ID number is written or
printed on the check
- "RCK" Authorization, stamped
Checkwriter acknowledgement notice is stamped on check and signed by
Checkwriter
See Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
4.
A "Merchant Profile Form" signed by merchant
5.
A copy of the business sales tax permit
6.
Photos of business (One interior and one exterior) that show signage, address, inventory,
store fixtures, etc.
7.
A copy of current month merchant bank statement. The business name on the
bank statement must match the name of the business on the application.
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Consolidated
Returns Check Services (RCC) -
Approval within
48 - 72 hours
Criteria:
For all
merchants accepting paper check transactions at the point-of-sale and being
charged Return Check Fees by the merchant bank.
Note: This service eliminates Return Check
Fees charged by the merchant bank and is recommended for all merchants not
using either Electronic Check Conversion, Virtual Terminal Electronic
Check processing or Online Electronic Check processing.
Check
Imaging:
All paper checks ARE NOT imaged with a check
imaging device at the point-of-sale. All Paper checks are deposited as
usual at the merchant bank.
Check
Processing Equipment: No
check processing equipment is required.
See Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
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Consumer
& Payroll Electronic
Check Verification -
Approval within
48 - 72 hours
Criteria:
Electronic
verification for all merchants
accepting paper check transactions for Consumer Purchases or Payroll
Check Cashing Service.
Note: Please specify on application if either
consumer, payroll or a combination of both verification services is required.
Monthly
Check Volume =
No minimum or maximum requirements
Average
Sales Ticket = No
minimum or maximum requirements
Check
Imaging = Paper
checks presented for electronic
verification may either be scanned with a check imager device
or manual "Keyed" entered into a terminal processing
device.
Check
Processing Equipment: A
suitable processing terminal device is required. A check
imager is optional depending on merchant check volume.
Such equipment must meet acceptable equipment certification
standards.
See Details
about Consumer
Check Verification
See Details
about Payroll
Check Verification
Application
Requirements:
1.
Complete
and Submit Application
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Check
Re-Presentment -
Approval within
48 - 72 hours
Criteria:
For all
merchants accepting both paper and electronic check transactions.
Check
Imaging:
Either imaged, non-imaged or electronic
check transactions can be processed.
Check
Processing Equipment: No
processing equipment is required for non-imaged paper check processing if Check
Re-Presentment is used as a stand alone service. A rubber stamp
for Checkwriter Acknowledgement and signature is provided at no cost to
merchants.
If this
service is used in combination with other check services such
as Electronic Check Verification or Electronic Check
Conversion, then a suitable processing terminal device and
check imager will be required. Such equipment must meet
acceptable equipment certification standards.
See Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
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Check
Collection Recovery Services -
Approval within
48 - 72 hours
Criteria:
For all
merchants accepting both paper and electronic check transactions.
Check
Imaging:
Either imaged or paper check
transactions can be collected.
Check
Processing Equipment: No
processing equipment is required. This
service is used in combination with Electronic Check Re-presentment.
See Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
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Accept
Online and/or BY Phone Electronic Checks -
With Secure Web API (Application
Protocol Interface) & Virtual Terminal
Check Payments
- For Point-Of-Sale PC Terminals
- For Accepting Checks By Phone
- For Accepting Checks Online
Criteria:
For all
merchants accepting either paper checks at the point-of-sale or
"Keyed Entered" checks accepted by phone or checks
"Keyed Entered" by customers online and accepted by
merchant.
Check
Imaging:
Check imaging is optional for point-of-sale
check transactions. Point-of-sale check
transactions can either be imager or "Keyed Entered"
depending on merchant volume.
Both check transactions
accepted by phone or checks or online customer
check transactions required "Keyed Entry"
Check
Processing Equipment: Suitable
PC computer equipment is required. A check imager is
required to be connected to the PC computer via a serial port cable connection
if check imaging is desired for Point-of-sale
check transactions.
See
Details
about Accept
Checks At Point-Of-Sale
See
Details
about Accept
Checks By Phone
See
Details
about Accept
Checks Online
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
4.
A "Merchant Profile Form" signed by merchant
5.
A copy of the business sales tax permit
6.
Photos of business (One interior and one exterior) that show signage, address, inventory,
store fixtures, etc.
7.
A copy of current month merchant bank statement. The business name on the
bank statement must match the name of the business on the application.
8.
Copy of advertisement, brochure example or a web site address used to support
business sales efforts.
9.
Copy of last two years tax returns and a copy of current business financial
statement is required, if monthly Virtual
Terminal Check
processing volume exceeds $50,000.
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Electronic
Check Automatic Recurring Check Payments - Recurring
Payments Manager
Criteria:
For all
merchants accepting regular scheduled payments either weekly, bi-weekly, monthly
or quarterly.
paper checks at the point-of-sale
or "Keyed Entered" checks accepted by phone or checks
"Keyed Entered" by customers online and accepted by
merchant.
Check
Imaging:
Check imaging is not
used for this processing application.
Check
Processing Equipment: Suitable
PC computer equipment is required. The merchant uses the PC to access
the Recurring Payments Manager and perform initial Customer Account
Setup and enter information changes or updates, if needed, that effect the
customer's Recurring Payments.
See
Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
4.
A "Merchant Profile Form" signed by merchant
5.
A copy of the business sales tax permit
6.
Photos of business (One interior and one exterior) that show signage, address, inventory,
store fixtures, etc.
7.
A copy of current month merchant bank statement. The business name on the
bank statement must match the name of the business on the application.
8.
Copy of advertisement, brochure example or a web site address used to support
business sales efforts.
9.
Copy of last two years tax returns and a copy of current business financial
statement is required, if monthly Recurring Payments Manager check
processing volume exceeds $50,000.
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Wireless
Electronic Check Processing -
For Delivery Drivers & Outside Sales
Criteria:
For all
merchants accepting regular check transactions at remote locations.
Delivery drivers, outside sales people, trade show booth sales people or flea
market sales booth people that accept check transactions.
Check
Imaging:
Check imaging is optional
depending on the type of merchant check processing used and/or
the level of convenience needed.
Check
Processing Equipment: A
suitable wireless cell phone or wireless laptop with internet connection and
access to our Payment Gateway can be used to "Key Enter" check
transaction information.
Optional: For improved security and added
convenience, a check imager can be connected via a cable plug in connection to
either the wireless cell phone or wireless laptop.
See
Details
about this service...
Application Requirements:
1.
Complete
and Submit Application
2.
A
Voided Check imprinted with the merchant's business name and address.
3.
A "Bank Authorization Letter" signed by merchant.
4.
A "Merchant Profile Form" signed by merchant
5.
A copy of the business sales tax permit
6.
Photos of business (One interior and one exterior) that show signage, address, inventory,
store fixtures, etc.
7.
A copy of current month merchant bank statement. The business name on the
bank statement must match the name of the business on the application.
8.
Copy of advertisement, brochure example or a web site address used to support
business sales efforts.
9.
Copy of last two years tax returns and a copy of current business financial
statement is required, if monthly Recurring Payments Manager check
processing volume exceeds $50,000.
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Contact us for more info
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