This page contains a very short overview of how our checks by phone, checks by FAX, and checks by Internet system works. For complete details on its many unique features, please use the links on the top navigation bar or the links on the right side.
The overview below will explain how Vcheck functions in general terms. You may use the Industry Specific links at the top of this section to see the special features for the four main versions of the system. There is also a link to view a screenshot slideshow of the system under the "Can I See The System In Action?" section at the bottom of this page.
Vcheck is NOT an ACH (Automated Clearing House) or EFT (Electronic Funds Transfer) system.
In fact, our Vcheck | Echeck system is faster, much less expensive and puts you in direct control of your incoming checks!
In essence, our system is simple, yet very full-featured. First, let's look at what happens when your customers click on the "Pay By Vcheck" link we provide you to put on your own website:
- Your customer enters their check information via an easy-to-use secure online form.
- The system produces an instant, printable receipt for them that resembles their check.
- A confirmation Email is instantly sent to the customer. A new check notification message is instantly sent to you.
- You login into the secure Vcheck system. Your new checks are listed and ready to print in PDF format.
- You print the check and deposit it into your checking account just as you would had it arrived in the mail.
For Checks by Phone or Checks by FAX, we provide you with a special version of the secure online check form that does not require the customer's Email address. Therefore, a receipt confirmation message is not sent to them. If you have the customer's Email address and wish them to receive the confirmation message, you can just use the standard online check form.
With ACH or EFT transactions, they are not processed until approximately midnight of each business day and it can take up to 72 hours for the transfer to actually be desposited into your checking account. Most ACH or EFT systems charge you a monthly gateway fee in addition to a per check fee and/or a percentage of the transaction - similar to a credit card merchant account.
Is this Legal?
Completely. To banks, these are known as "Demand Drafts" or "Sight Drafts", with millions being processed every year. Our system has been used to process hundreds of thousands of checks totaling more than 2 BILLION US Dollars.
Who Else Uses This System?
Hundreds of Insurance Agencies use our system along with many hundreds of businesses, organizations & government departments, including the
Treasurer and Tax Collector, the Department of Public Works and the Business License Division of Los Angeles County! You can see a partial list of our customers on the
Who Uses It page.
How Much Does It Cost?
You can process up to
*200 checks per month for
only $99.95 PER YEAR! And there are
NO additional per check, per transaction or discount fees!
*See the
Pricing page for complete details on higher levels of service and optional upgrades.
How About A Guarantee?
We've been in the Internet Software business since 1996 and only want Win-Win relationships with our customers. That's why we offer a full
30-day Satisfaction Guarantee on Vcheck. We’ll return your money, no questions asked, if you’re not 100% satisfied.
Can I See The System In Action?
Yes! We offer two ways to get a better visual idea of how the system works.
After you have gathered all the details you need from the many pages in this website, you can view a screenshot slideshow of the general business version of the system here. These 6 screenshots give you a quick overview of the check submission and printing process.
Or, if you want to walk through the actual system for one of the industry specific versions we offer, you can go through the live system using a test account. The test account used on the Live Demo is visible to all users, so please don't use actually checking account information on your test checks.