How Does TxtaCheck Work?


Create Payment Request

While collecting funding information, an agent obtains authorization to communicate electronically with a consumer.

Initiate Check Request

The agent then sends a request using the system dashboard. A text message or email is sent to the consumer to initiate payment.

Authentication & Authorization

Verifies the payment information, and then signs the check digitally on their mobile device with their finger or stylus.

Print Signed Check

Print the consumers' signed check and deposit at your financial institution as a legally negotiable instrument. (ie; Not a draft item.)


What Does TxtaCheck Include? This system is packed with features that let you accept payments while mitigating ACH related risks.


Consumer Geo-Location Tracking

TxtaCheck provides several measures of consumer authentication and verification prior to allowing them to complete a payment.

Secure Payment Transmission

The information is sent and generated on our SSL encrypted connection so you can rest assured that your consumer's info is safe.

Remote Signature Capture

It doesn't matter how your customer signs, but they can sign the digital check request from their phone. This no longer makes it a "draft".

Local Check Printing

If you want to use your own printer, we can send you the special MICR toner. If you need to purchase a printer from us, we have them ready for you.

Same Day Check Delivery

Print a check in your office minutes after you receive confirmation that the consumer has signed. EFT can also deliver an Image Replacement Rocument (IRD) to your bank.

Schedule a live presentation of TxtaCheck now!



Benefits For Your Business

What does this mean to you and what can this service do for your business?


No Underwriting Required

We do not require underwriting of any kind when processing through your financial institution. There are no dollar limits or additional processing necessary. Once you print the item, it's a legally negotiable paper check.

Reduce Compliance Costs

Acquiring a digital signature allows you to clear / process the payment as a check instead of through the ACH network. This helps manage your return limits and provide piece of mind.

Track Your Payments

Our dashboard provides an easy access view for all your printed checks and payments from consumers that gave authorization to debit their account. See everything including: GPS Location, IP address and more

Consumers Prefer TxtaCheck

In our recent survey, 100% of our customers who have tried TxtaCheck said they would keep using the service for the forseeable future. There is nothing like this system in the industry and customers love it!


Why do you need TxtaCheck?

NEW NACHA RULES

NACHA announced cracking down on old rules and establishing new rules, reducing the acceptable amount of ACH return items a business can have in a month.

Companies near or over the threshold will face an inquiry and possible termination by processing ODFI banks.

Use TxtaCheck to accept check payments from risky consumers, without jeopardizing your NACHA regulated return rate.

NEW FTC REGULATIONS

The Telemarketers Sales Rule was recently amended by the FTC, banning the use of Remotely Created Checks and other easily fraudulent payment methods.

Banks have followed suit by barring clients deemed high risk, from accepting Remotely Created Check payments.

The FTC in 2016 will be banning Remotely Created Checks, Remotely Created Payment Orders and Cash-to-Cash Money Transfers.

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Contact us if you have questions or to experience TxtaCheck.