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iSmart Rapid Recovery System
Turning Bad Checks/EFTs Good with Intelligent & Integrated Technology
With our completely integrated, iSmart Rapid Recovery System, ePayments will take your NSF paper checks or ACH transactions and automatically re-present these items electronically to the customer’s financial institution. You receive the FULL face value of the check or EFT, and if the amount is still uncollectible after the third presentment, we’ll even handle the traditional collections process for FREE!
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The NACHA electronic rules, enacted in 1998, allow for two re-presentments after a check or EFT is returned NSF. Paper checks (even with the Check 21 Act) only get one. By converting paper checks into electronic form for presentment, ePayments effectively eliminates any fees your bank would charge for second presentments. They can be presented for payment to any bank in the country within 24 hours. And electronic checks take priority over paper checks on available funds.
Most individuals who write NSF checks are unaware that a check they have written will bounce. Furthermore, with the passage of the “Check 21” Act, NSF activity resulting from poor consumer timing is only increasing.
When you turn over your NSF checks to ePayments Corp, we use our proven iSmart Rapid Recovery System and streamlined processes to get your funds faster. It’s integrated. It’s intelligent. It’s fast.
As a result, a higher percentage of NSF checks are collected in full. You always receive 100% of the check which is then electronically deposited to your account at no cost to you. This is all offered with our 24/7 online and email reporting.
Contact us today to get started.
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or call 303-493-5414 |
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Optimal iSmart Integrated Collections |
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In the event the NSF check can’t be collected via our electronic process, we can employ traditional collections services and if you wish, can include litigation. It’s all integrated, so once the electronic process finishes, the traditional skip tracing/telephone calls/letters can seamlessly begin, all the way through to litigation. Unlike conventional collections firms, this service is absolutely FREE to our customers. |
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Should you decide to use our Remote Re-Deposit option, you won’t even have to send us your checks. You can simply scan them electronically using a special scanner and our secure, encrypted software. We represent the check as an ACH transaction, while you keep the original checks at your location. |
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