As many as ten to twelve people handle each paper check that passes through the banking system. In addition to account information, paper checks contain names and addresses, and occasionally even social security numbers of the account holders. Paper checks can be lost, stolen, or fraudulently replicated.

Fewer people view electronic checks and frequently viewers see only the encrypted version. ACH payments never get lost in the mail. Electronic transmissions are much safer than paper transmissions.

Companies that process payments electronically (checks, credit cards, ATMs) must follow government guidelines. In case of an error or dispute, check writers have 60 days from the posting date to notify the bank, the same time frame they have today with paper checks. Check writers retain the same rights they currently enjoy in disputing fraudulent items posted to their account.

Our ACH Processor software application utilizes a SSL 128-bit encrypted transmission, which complies with the highest standard required by the U.S. government.

Data files are scrambled prior to transmission and then unscrambled prior to processing.

This level of encryption would require a powerful PC 150 years of processing to either break or corrupt a file.

User ID and password authorization is required for all users.

You control all transactions. When your customers enter a transaction online, the file goes to you, not us. When you set up a recurring payments program, you control the data, not us. You send all transactions to us in daily batches, and you have complete control to edit or cancel any erroneous transactions in a batch up until the time you send it to us.

Fax confirmation is required for every transmission before we will process the electronic file.

File Transmission Protocol—Every file transmitted contains customer-specific information and specific path transmission routing for maximum security.

Smart Payment Solutions' ACH Processor Software will protect you and your customers.

Could secure ACH payment processing help your business? Learn more now!