Experience a conversion. Recent changes to NACHA's automated clearinghouse (ACH) banking rules now permit remittance processing via an ACH. In response to this change, Texas-based E-Chex, an electronic check conversion processor, has developed a software program that allows the electronic processing of paper checks through the ACH system from a desktop PC. This solution is called E-Chex PC.

E-Chex PC software is a fully integrated electronic payment-processing software designed for small to midsize retail merchants, non-profit organizations and non-traditional merchants such as doctors' offices, health clubs and lawn services, or anyplace a check is written for payment. E-Chex PC processes paper checks, credit cards and recurring transactions.

So how does E-Chex PC work? A merchant processes a check and submits transactions via a secure Internet connection to E-Chex's data center. A check writer's account is debited 24 hours after the transaction file is submitted, and a client's account is credited in 48 hours.

A built-in credit card module allows users to enter and process credit card payments.

E-Chex PC uses the Internet to check credit card and electronic funds transfer information. Customers can check to see if transactions have been completed on E-Chex's Web site and view reports in real-time. Reports are also available on the desktop.

A unique feature of E-Chex PC that is well suited for non-profit organizations is a module that allows clients to send receipts to donors via e-mail. Although clients are charged a small transaction fee, the fee is significantly less than a postage stamp.

E-Chex PC is also designed with the ISO in mind. According to Micah Hobart, Vice President of Sales at E-Chex, the software provides a unique product solution for payment processing that ISOs can market and sell to merchants.

The price of E-Chex software and its ongoing processing transaction fees are provided at a wholesale cost to ISOs; the price scales with merchant volume.

An out-of-the-box solution, E-Chex PC is a Windows-based software product that is shipped to the customer on a CD-ROM. If any questions arise during installation, customer support is always provided.

E-Chex 222 W. Las Colinas Blvd, Suite 111 Irving, TX 75039 972-409-9100 www.e-chex.net