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Merchant Card Service - Check Services - Checks Collect
SUMMATION OF SERVICES
Chex Via Phone®™
We can eliminate one of the three greatest lies. We have all heard it . . . "the check's in the mail." This technology is so exciting. It is a creative tool for increasing your business and collecting your receivables. Have you ever paid for a service with a credit card over the phone? We now offer a service where you can also take a check for half the price of a credit card transaction. The process is very simple. Your operator inputs your customer's account information (on the bottom of every check) into HYPERLINK "http://www.speedchex.com" www.speedchex.com or fills out our fax form. Fax it to us and you are done. Creative Cash Flow Solutions, Inc. creates an electronic check and deposits it for you. All our transactions are processed in less than twenty-four (24) hours.
| *Easy implementation |
*Reduced in-house paperwork |
| *Up to 100% larger market - instantly |
*Increased return on advertising |
| *Immediate payment for goods and service |
*A payment option that costs less than credit cards |
| *Collection of past-due accounts by phone |
*No more COD hassles - ability to instantly ship products |
| *Solid customer loyalty |
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ChexCollect ®™(Electronic Check Recovery)
This revolutionary check recovery system is available to you, the merchant, at no charge. The procedure is very simple-when a customer bounces a check to your company, the check is forwarded to ChexCollect. When ChexCollect receives the check, they electronically resubmit the check directly through the Automated Clearing House (ACH) for sixty (60) days. Most of the checks that do bounce are not intentional and ChexCollect has a collection percentage of 96%. The funds are released to you weekly and you receive 100% face value of the check. Visit our Web site at www.chexcollect.com. The ChexCollect advantages are:
| *No monthly fees |
*No statement fees |
| *No limit on number of checks |
*No special equipment needed |
| *No yearly fees |
*No FEES at all! |
| *No long-term contracts to sign |
*Stops high cost of guarantee services Automatic Payment Plan (APP) |
How would you like to have all your payments on the first of every month without ever sending an invoice? This technology is now available to you. We can automate your receivables, improve cash flow and save time and money. Our Automatic Payment Plan uses pre-authorized checking to ensure all monthly payments are received on time. The many advantages are:
| *Timely funds settlements |
*Streamlines the billing process |
| *Less expensive than invoicing |
*Reliable cash flow |
| *Recovery of NSF items |
*No customer is too small |
| *On-line real-time reporting via |
*No cost for special equipment |
| *No long-term contract to sign the Internet for electronic payments |
SpeedChex.com ™ (Internet Checks)
One of the fastest-growing methods of commerce today is the ability to make purchases via the Internet, virtually eliminating catalogs and showroom presence, and taking advantage of 24 hours per day, 7 days per week sales opportunities. With the innovation of electronic technology and the cooperation of ACH, an Internet vendor can accept a virtual check via the Internet at a fraction of the cost associated with a credit card, and also have funds available as quickly as a credit card transaction. Our user-friendly demonstration can be experienced on our Web site www.speedchex.com.
| *Impulse sales captured |
*Customer-friendly |
| *Funds good in 24 to 48 hours |
*Installed easily on your Web site with a hyperlink |
| *About one-half the cost of credit cards |
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Electronic Check Conversion (ECC)
Now you can take advantage of electronic commerce to increase employee productivity, as well as improve customer relations. Electronic Check Conversion (ECC) converts a traditional paper check into an electronic item at the point-of-sale and processes it through the Federal Reserve’s Automated Clearing House. ECC saves time and money, while reducing the risks of NSF checks. A check is now as hassle-free as a credit card transaction. ECC is more efficient and secure, allowing you to focus on your business and taking care of your customers.
| *Faster check processing (within 48 hours) |
*Eliminates lost or stolen checks before deposit |
| *No more trips to the Bank or Bank fees |
*Checks are electronically deposited in your account |
| *Quick detection of check fraud (48 hours) |
*Immediate reports through each point-of-sale terminal |
| *Check verification at no additional cost |
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| *Reporting and tracking from database accessible to the merchant 24 hours per day, 7 days per week |
| *Bank consolidation: funds can be centralized while converted at each location |
Check Guarantee
Since checks are still a company’s preferred method of conducting business, it is comforting to know that we now offer a merchant the ability to have a check “guaranteed” for a minimal percentage of its face value. Check Guarantee is not new, however, we have several innovative features making us unique: Error protection, reimbursement for interest and bank fees, highest acceptance in the industry and the quickest approval – all at about 50% of commonly charged credit card rates!
| *Stop-check guarantee |
*Substantially less expensive |
| *Bank charge reimbursement |
*Error protection |
Accounts Receivable Truncation®™ (ART)
Accounts Receivable Truncation®™ (ART) is an innovative service, which allows you to almost immediately convert your customer’s check to cash when an invoice is paid by check. This is as trouble-free as a credit card transaction. It is more efficient and secure and allows you to focus more on running your business and taking care of your customers. It is a very simple procedure. Your clerk runs the paper check through a Check Reader. This hardware scans both sides of the check, converts it to an Automated Clearing House (ACH) transaction and your funds are literally in your account in less than 48 hours. Some of the benefits of this service are:
| *No more NSF fees |
*Expedited collection processes |
| *Faster check processing |
*Quick detection of check fraud |
| *No more trips to the bank |
*Checks are deposited electronically |
| *No more deposit slips or bank fees |
*Database of all imaged checks |
| *Eliminates lost or stolen checks |
*No more bank float |
| *Reporting and tracking accessible 24 hours per day, 7 days per week |
Credit Cards
The credit card industry is a competitive one. What our company offers is a full line of credit card options—MasterCard, Visa, American Express and Discover. We have a turnkey program that will have your company up and running within two (2) business days. We have a wide variety of new and reconditioned hardware and we’re now offering a new payment option—ATM debit, which allows you to process debit cards at the point of sale, costing a fraction of a credit card transaction. If you are interested in reducing your present rates, or installing new equipment, all we need is an executed application and we can start shopping for the best possible rate for your business. We can incorporate a shopping cart E-commerce program that will allow you to accept MasterCard and Visa on your Web site. This will enable you to have a virtual location, making you money night and day.
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