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Check Processing Services via PayMeNow

ACH Check Transactions (click for features)

PayMeNow ACH Checks provides a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their Web site's storefront or through the PayMeNow Virtual Terminal. By accepting electronic checks, merchants are able to expand the payment options available to their customers and potentially increase their sales.

Check Guarantee (click for features)

Check Guarantee is the most commonly used check service allowing the merchant to “insure” the face value of the check and protecting the merchant against checks written on non-sufficient funds (NSF). Merchants obtain electronic approval or voice authorization for the transaction and then deposit the checks. Checks that do not clear can be submitted for reimbursement.

Electronic Check Conversion (click for features)

Check Conversion you can convert your customer's paper check into an electronic ACH transaction and process it using the same gateway process you use for all of your other electronic payments. Just scan the paper check through a check reader at the retail Point of Sale. Once the check has been converted, it is electronically processed just has if you entered it in directly via the Virtual Terminal. The original check is voided and handed back to the customer --- no paper processing is required!

Card Present Virtual Terminal (click for features)

Now you can process retail POS transactions and take advantage of reduced card present merchant account transaction fees using our Virtual POS (VPOS) and an inexpensive credit card swipe reader attached to your PC. No software installation is required, and no dedicated credit card terminal needs to be installed.

Debit Transactions (click for features)

Debit is an electronic payment method that allows cardholders to access funds from their bank account at the point of sale using a debit card and a Personal Identification Number (PIN). The cardholder must enter a PIN to authorize payment of goods, and once the transaction is authorized, the money is debited from the cardholder's bank account and credited to the merchant.

Why Accept Checks?

     89% of U.S. adults have a checking account
     86% of all business payments are by check
     23% of households do not have a credit card
     45% of all credit card holders are within 5% of their credit limit
     83% of all consumer bills are paid by check
     80% of all non-cash payments are by check
     10 million households without credit cards are online
    v 74.6 million Internet check transactions in 2001
     233 million Internet check transactions in 2002

Over 450 million Internet check transactions in 2003

(The statistics quoted above were gathered from NACHA and the U.S. Federal Reserve)


The Pay-Me-Now Software Includes Free Tools to Process Credit Cards Through Your Website

GET PAYMENOW TODAY!  •  Payment Gateway & Virtual Terminal   •   EMAIL info@pay-me-now.com

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Capital Payments, LLC, DBA Bluefin Payment Systems, is a registered ISO and MSP for the following Banks. Deutsche Bank AG, New York; and Wells Fargo Bank, N.A. Walnut Creek, CA. Capital Payments, LLC, DBA Bluefin Payment Systems, is also a registered MSP/ISO of the Canadian branch of U.S. Bank National Association and Elavon.