With a Check 21 Processing account, you can avoid the hassle of dealing with Automated Clearing House (ACH) processing.

The Check Clearing for the 21st Century Act, also known as Check 21 Processing, was passed in 2003 as a means of providing an alternative to the difficult ACH restrictions. The benefits to a Check 21 processing account are extensive and can make your life as a business owner much easier, especially as it relates to the internet and MOTO merchant services. Among the most important changes that the Check 21 Act has brought is the ability to scan paper checks and have the images sent as electronic transactions, eliminating the need to manually deposit paper checks.

Additional benefits to a Check 21 processing account include:

• Shortened chargeback periods reducing risk of fraud
• More expedient and efficient cash flow management
• Saved time and money due to the freedom to cash paper checks electronically
• Fewer meddling restrictions than those imposed by ACH
• Extended window to deposit checks (4 extra hours)