Check Verification - Provides merchant with access to nationwide database to prevent accepting bad checks.  Checks are verified against a nationwide negative database to verify the check writer does not have a history of writing bad checks.  If the merchant’s customer has a history of writing fraudulent or non-sufficient funds checks the merchant is advised to decline that transaction.  This service will drastically decrease the number of insufficient funds checks the merchant receives and save him or her significant dollars in charge-back fees and collection costs.
 

Check Conversion - Electronic check conversion is T-Tech’s primary service.  Electronic check conversion combines the use of check verification to reduce check fraud and insufficient check acceptance, improve the efficiency of check collection, and allow merchants quicker access to collected funds.  Electronic check conversion utilizes imaging to convert the paper check into an electronic item, which is then processed through the automated clearinghouse.  The merchant scans an image of the check into the check reader and then returns the voided check to the customer along with a receipt.  The merchant ‘s account is credited electronically within 48 hours. 
  

Check Guarantee - Businesses can guarantee 100% of the face amount of the checks they accept by utilizing T-Tech’s Check Guarantee program.  This program is designed to protect merchants against losses on returned checks due to NSF or closed accounts.  Our guaranty agency agrees to reimburse the merchant for NSF or closed account checks that meet the following requirements: 

• All checks must be provided to T-Tech and include check writers phone number and preprinted name, address and check number.

• All checks must be read by a check reader and receive an authorization to accept either through T-Tech check verification or check conversion services.

• All check writers must present a driver’s license or photographic ID to confirm the signature is a match. 

Check Collection - T-Tech will route returned transactions to a collection agent for collection efforts.  If the business is participating in check conversion, we will also route the electronic image of the check to the agent.  Eliminating paper checks allows quicker access to customer accounts for re-presentment (up to 4 days sooner than paper checks).  For every day gained in re-presentment, the percent of successful collection increases 5%.  Retailers using electronic check conversion find an average of 30% improvement in check collection.

Check Imaging - Businesses that utilize check conversion will use check scanners that also capture a digital image of the check.  These images can be retrieved via www.ttechpayments.com .  The ability to view processed checks has proven very beneficial for both the merchant and the consumer in the event of a payment discrepancy.  In this case, the merchant can simply pull of a copy of the processed check and compare it to his or her daily activity report, which is included free of charge in electronic check conversion.   
 

Web Checks - WebCheck assists businesses increase revenue opportunities by taking advantage of additional sales channels. It is designed specifically to meet the unique needs of merchants processing payments in a consumer-not-present environment integrated into an existing web site. T-Tech’s Processing solution answers the primary concerns of the merchant making a decision to accept electronic check payments over the Internet:

AR Conversion - Accounts Receivable Conversion (ARC) will change the way you process check payments forever. By converting your eligible payments to electronic transactions and processing them automatically through the ACH network, you no longer need to manually tally deposits and deliver them to the bank. T-Tech's ARC solution is designed to help you be more efficient in processing, centralizing, tracking and researching your ARC transactions.