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expresscheck21 Fasttrack User Guide

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1. irs d Vernon NY 12552 3 E ETUR i jate UE 1 Stop Scanning scanned 219 2 87 8 When you are finished Spee A scanning checks select Onin iw 1038 Piopi scanning Log 4 2 2 SAVE CHECKS EFT Scanner Manager for Scanners 3 0 aati checks 9 If you have completed Check Info 123123123 JACET 293938201 CHEW 1038 my 8 Accepted scanning of items select Rejected Duplicate Feeder empty Select SCAN for more checks or SAVE to save items Mire Fran Donner 5 Te Annia Ren 29393930 4038 View Log 2007 Secure Payment Systems 10 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT Scanner Manager for DCC Scanners 3 0 10 Checks are uploaded to Image Chec SPS Server for Check Info 123123123 ACCT 293939301 CHK 1038 tem EE Accept Rejecte processing Duplice SAVING CHECKS TO SERVER Please stand by while saving items Ea Closing Local Check File Stop Scanning Compressing Check Files Uploading Compressed Check File to Server FTP encrypted View Log NOTE The Save button must be selected in order to proceed to the Process Checks step If Step 9 is not completed and window is closed please see Se
2. EXPE aa 27 EN 2 Electronic Check Processing and Remote Deposit System User Guide ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide TABLE OF CONTENTS 1 EXPRESSCHECK21 SECURE PAYMENT SYSTEMS ARC CHECK 21 SOLUTION 4 2 ABOUT SECURE PAYMENT SYSTEMS 5 8 2 e toe be ee noe euo roo E Na P a De aepo PE e e a oae e eee sone Ev e EUN 5 2 1 S Lucy dob MUERTE Lm 5 2 2 CUSTOM TAILORED APPLICA TIONS ones ED IL ALI itcr U Lt 5 2 3 usd pM LI due Tom NEA MALAE M A 5 3 GEE PING 2S FARR PED PET O 6 3 1 CUSTOMER AEA 6 SM NES PAG E ence tue etc ee oy cue 6 4 SECURE PAYMENT SYSTEMS ELECTRONIC CHECK PROCESSING SYSTEM 7 4 1 BLECTRONIC CHECK PROCESSING SYSTEM 3n concer ns 7 411 PREPAKE CHECKS POR SCANNING b e UN Itb 7 42 HOW TO SCAN CHECKS USING THE TS230 65 AND TS350 400ES SCANNERS 9 Aa IREADY TO SGANC HEC RS itc NIMM ud 9 SD Sa S gia OB m re A RR RSS NS 10 4 3 HOW TO SCAN CHECKS USING THE MAGTEK SCANNER 12 READY TOSSCANCCTEBGISNSS he
3. 0 Tikit The TLE vU AON UI i Li Imi File Creat s PRIMA F Tatal wi FR PE Total dollar L 2007 Secure Payment Systems ix KE Is epu at PY al dollar amount ed 1 eere kar m 1 i HE i B r i Per geen 22 1122 BCA ch Out Confirmation ta ea After selecting Batch Out the Batch Out Confirmation screen will appear 5 Select Print 6 Select Close The Bath Out Confirmation Screen confirms that the batch you have sent has been received by SPS for processing 7 Items have been uploaded to SPS for processing Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 6 2 RECOVER UNSAVED ITEMS If attempting to process checks after scanning and there are no checks visible in the Processed Scanned Checks section as shown in Section 3 it is possible that checks were not saved after scanning To recover unsaved checks 1 From the ARC Main Menu select EXCESS Scan Checks ARC System Use CTRL P to print any of the following screens after apening them First time users need to configure their system System Configuration EFT Scanner Manager for DCC Scanners 3 0 2 You will be prompted to KT ee Teer Recover u
4. Ti ij 1 ue i onu 4 i a5 000 lt H w 1 o x 0000423456 ij Ain ent andina ar write halna thie Ena L 2007 Secure Payment Systems 37 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 12 OPERATIONAL GUIDELINES 12 1 TIPS ON MANAGING THE CHECK SCANNING PROCESS 12 1 1 WHAT TO DO WITH THE CHECK AFTER IT S BEEN SCANNED Per banking regulations after scanning and batching your checks they must be either destroyed or otherwise marked to prevent them from re entering the physical bank deposit process This means that after Batching Out Section 6 0 you must either destroy the checks or imprint or stamp them Most customers find that shredding the checks is an effective sure method to destroy scanned processed checks Alternatively you may also stamp or imprint the front all scanned processed checks with a stamp containing the words Void ACH processed or Check 21 processed Please contact SPS Customer Service if you would like assistance with acquiring a stamp Remember that after Batching Out images of all scanned checks can be retrieved viewed and printed if desired See Section 6 0 12 1 2 RULES AND REGULATIONS The Rules are Regulations pertaining to the conversion of paper checks to electronic transactions are simple and well defined Remember check conversion operat
5. 5 1 2 INDIVIDUAL CHECK DATA WINDOW Edit Delete individual items by selecting the highlighted Item Number Scan Al C Good C Reje Close Duphcate Zero Values liem Statu Type Image Check Amount Routing Account 8500 007 123123123 293939301 150000 021000021 2845845804 000008002 06888144745 021000021 228282828 021309379 601855041 021000021 293939303 2007 Secure Payment Systems 17 00024225 4 Continue entering data until you have entered amounts for all checks 2764 0000 Enter dollar amounts in data entry windows Do not enter dollar signs 13454270 2000 5 check to make changes see more information Double Click on the Item Number 1038 2764 13454270 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide Scan Status l ii cent IN 6 When complete ltem Status Type Image Check Amount Routing Account 1500 00 123123123 Select Sa ns0000 021000021 2845845804 2764 000008002 06888144745 021000021 00024225 021309375 501865041 021000021 7 From the Check Data Window you can Delete Check 8 Confirm Deletion Che ck Information Delete Check 2007 Secure Payment Systems 18 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solu
6. poem Checks will begin to feed a lose Window through scanner Close Check images will begin to san The appear in window as checks Select Scan More to scan are scanned additional items View Log 3 When you are finished scanning checks select Stop Scanning 4 Select Save Checks 2007 Secure Payment Systems 24 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 7 EDIT DELETE SCANNED CHECKS The Edit Delete function allows the user to Edit or Delete a processed check with customer data that would not otherwise be brought into the software during the scanning process Edit or Delete may only be performed prior to submitting them to SPS for processing 1 From the Main Menu Select Edit Delete Use CTRL P to print any of the following screens after opening them First time users need to configure their system System Configuration 7 1 TO EDIT AN ITEM Unbatched ARC Transactions m dick on vite view Detail Screen 05 135 05 1305 ric 05 135 000 051305 2000 Select the Number of the check to see check detail 2007 Secure Payment Systems 25 2 Unbatched ARC Transactions will 051305 0002422 09 1305 3248 7 T 293939303 1050 Consumer appear 293935301 Double click on the 2045945804 desired Number 05913896945 to be edited 228282828 5 6019
7. a paa apo eor o 30 10 SEARCH FOR SCANNED CHECKS ce eee eee eee eee eee eee eese sse 32 11 ADVANCED FEATURES 2 exce bau 34 11 1 CREATE A COMMA SEPARATED VALUE CSV FILE FOR DATA EXPORT OVERVIEW 34 11 1 1 HOW TO CREATE COMMA SEPARATED VALUE CSV FILE eer 34 11 2 COMBINED DAILY RETURNS RETURN CHECK DETAILS eee 36 12 OPERATIONAL GUIDELINES 5 1 visas oe ase ee eee 38 12 1 TIPS ON MANAGING THE CHECK SCANNING PROCESS 38 12 1 1 WHAT TO DO WITH THE CHECK AFTER IT S BEEN SCANNED 1 mmm 38 12 12 RULES ANDIEOGULIZADIQNS a anteater cai A 38 12 1 3 SCANNER OPERATIONS amp ease 38 2007 Secure Payment Systems 2 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide APPENDIX BANKING RULES 39 122 EXAMPEE NOTIFICATION LANGUA GEce ee 39 12 2 1 REQUIREMENTS NECESSARY TO ELECTRONICALLY RE PRESENT RETURNED ITEMS TO ELECTRONICALLY RECOVER A STATE ALLOWED NSF FEE 39 12 2 2 REQUIREMENTS NECESSARY TO CONVERT CONSUMER CHECKS
8. Item Status Type Image Check Amount Routing Account Chee Each check image will appear 123123123 293939301 l displaying the dollar amount with a 021000021 2845845804 blank Data Entry Field next to each check image 3 OK NC 000008002 05888144745 2 Select the Data Entry Field and type in the dollar amount of the check payment 4 NC 021000021 2252825325 DOLO 3 ains Donot enter dollar signs b Enter the dollar amount followed by a period and cents c the check is for 00 cents it is 5 OK NC 021309379 601865041 1345 not necessary to type cents 3 On your keyboard select TAB OK C 021000021 293939303 or Enter to advance the next Data Entry Field Enter dollar amount in Data Entry Window Do not enter dollar signs NOTE f you have scanned checks but do not see any of your items listed in the data entry field see Section 6 2 Recover Unsaved Items 2007 Secure Payment Systems 16 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 5 1 1 ENTER CHECK DATA Scan Status Clear All SOVE Close Al C Good C Rejects C Duplicate Zero Values Item Status Type Image Check Amount Routing Account 1 C 500 00 123123123 293939301 1 31 500 00 021000021 2045845804 3 NC 000008002 06888144745 4 Nc 021000021 5 NC 021309379 501855041 6 C 021000021 293939303
9. 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide BASIC VIEWING AND SEARCH FEATURE The following are detailed instructions that describe the process of how to view checks that have already been scanned and batched out for processing 8 1 VIEW BATCHES EXIIP ES 1 From the ARC Main Menu 2s chec k21 select ARC System View Batches Use CTRL P to print any of the following screens after opening them First time users need to configure their system System Configuration View Batches A summary screen will appear showing each wx days batch of scanned Date Filename lines Checks Check Total View Details View Confirmation and processed checks 1089 TELAT U2 LBA 1 plar A View Details View Confirmation 120005 TELX1202 BCA 3 3 Su View Details View Confirmation Each line will represent a specific batch of Batch Filenames are automatically generated Back to Main Page checks that was by the EFT System Filenames are structured Eu Click on the View Details to reveal detailed information about processed and batched y that checks that comprise each batch This information will out include the 1 Customer Filename 2 Date file was Batched Out Routing Number The data will include the 3 ByFile Type Consumer Non Account Number Consumer Serial Number batch Filename which 4 Num
10. 1 orl Stop Pay ie the i t E el apiure 4 C uw Coors mv tena 00 DRDO dead DOCA gu 26 4 3 2 READY TO SAVE CHECKS EFT BULK Scanner Manager for Mag Tek 5 5 A Select Save Sci NYT io Fev ie fre o be FODOR TLOOOY feb ZA 228 Leg 2007 Secure Payment Systems 14 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT BULK Scanner Manager for Scanner 1 5 Checks are uploaded to Toup uuu SPS Server for Check ABA 123123123 ACCT 5845845845 O7E5 Iter fe 1 B lt et processing SAVING CHECKS TO SERVER Please stand by while saving items Closing Local Check File Compressing Check Files Uploading Compressed Check File to Server HTTPs secure Log NOTE The Save button must be selected in order to proceed to the Process Checks step If Step 4 is not completed and window is closed please see Section 6 2 Recover Unsaved Items Warning check is scanned improperly DO NOT select the Clear button this will Clear all check in the buffer To Delete a check use the Process Scanned Checks or Edit Delete Functions EFT Scanner Manager for DCC Scanners 3 0 5 f you have more checks to Image scan simply load them into Cheek Inf
11. Electronic Check Processing and Deposit Solution User Guide 11 1 CREATE A COMMA SEPARATED VALUE CSV FILE FOR DATA EXPORT OVERVIEW is possible to create a data file for export out of the program This data file can then be imported or uploaded into any number of accounting or data processing programs If you are going to create a CSV file we generally recommend that the CSV file be created AFTER the Batch Out function has been performed as defined in Section 6 11 1 1 HOW TO CREATE A COMMA SEPARATED VALUE CSV FILE 6 From ARC System Menu XI vizi select View Batches ARC System Use CTRL P to print of the following screens after opening them First time users need to configure their system System Configuration View Batch Details 7 Select Batch TELX1201 LBA Download CSV File Click on a column heading to sort by that column Customer D UniquelD Check Writer et ee ae 12 01 05 ew abc E tardeta TL 12 01 05 sean mmu F 123123123 199193077 225712351 2645645806 4ro4ron l 4 JU A 4 123123123 293939301 Breakdown CSV File 12 01 05 D Back to Batch List Printthis 2007 Secure Payment Systems 34 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide File Download
12. TO ELECTRONIC NACHA ARC ITEMS 1 ocitabeeotetevi vods ups osaan ea E oA Ea A EE 39 APPENDIX C RULES AND REGULATIONS eee e etes ee eee ee eee essa eese ee ette toss sese eee ee enss sese s ee 40 12 3 NACHA RULESAND REGULA HON S inerse ieuo e eee oup Yep toes dou teme es nds 40 APPENDIX ACH EE OW wi cscscssscsazcstesteasccvsavonsuescaaseovessusussascsedssveausevessnstedoauabesacesecsedvadeondesstaccessesesecessdonoedenseassssesese 41 APPENDIX F ACH RULES ENFORCEMIDN T 42 2007 Secure Payment Systems 3 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide p gt wu p E o Accounts Receivable Conversion ARC Check 21 solution in conjunction with our superior Image Replacement Document IRD technology processes and deposits any type of paper check received via U S Mail or at payment locations deposited as electronic transactions all through a single point of entry system Our ARC system converts paper checks into electronic transactions and deposits the checks as electronic data eliminating a trip to the bank Benefits e Easy to use solution requiring a check scanner and internet access e Speed up your check processing 24 48 hour funds availability No more waiting line at the Bank e Faster adv
13. Use CTRL P to print any of the following screens after opening them First time users need to configure their system System Configuration 4 3 1 READY TO SCAN CHECKS EFT BULK Scanner Manager for MagTek Scanner 1 4 2 Ready to Scan Checks mae 70000000 zT will appear on screen Check select 7 Select Sean to begin Ready to Scan Checks processing ofitems Siu View Log 12 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT BULK Scanner Manager for Scanner 7 5 The front and back of the check image will appear _ id EFT BULK Scanner Manager for Mag Tek Sc 5 The front of the check will appear first SESS C NN PHOTODJO 0 2800008 PAZA tee 2007 Secure Payment Systems 13 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT BULK Scanner Manager for 5 5 023000062 228282928 000740 iens g 1 T 3 Image of the front and Image back of the check will appear In the process of SCANNING CHECKS Baca Holtman i di 24300
14. to the Receiving Depository Financial Institution RDF The RDFI receives the files of entries from the ACH Operator for its customers Entries are posted based upon the settlement date and account number Periodic statements are provided to the Receiver with descriptive information about the ACH entry Receiver authorizes Originator Originator forwards transaction data to ODFI RDFI makes funds available and report on statement ACH ACH Operator distributes ACH to ODF sorts and transmits file to ACH Operator 2007 Secure Payment Systems 41 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide APPENDIX F ACH RULES ENFORCEMENT An amendment to the ACH Rules was approved in 1998 to establish a formal process for the documentation and investigation of alleged violations of the rule The objective of the rules enforcement process 15 to maintain the continued quality of ACH services and ensure compliance with the provision of the ACH Rules Any Participant in the ACH Network may complete a Report of Possible Rules Violation for any alleged violations A party to the transaction is ninety 90 days from the occurrence of the rules violation s being asserted to submit a report The Report of Possible Rules Violations must include copies of supporting documentation necessary to support the claim of the rules violation and be signed by an officer U
15. 0L234Sb 8000012345 100001239 5 0 Pee tar Cx z m e z m LU BA nhaid pena Ape eng pulte vla uo n yep Sere pa ay Usu perdouupues vaye ese qa peg 4 M M lt lt lt M s a M M UP Ua 031801 Say Adds 3877 SHE H5v2 LON OY INSS abd LON Sz Lv 3 3498009 LON OO i 1 38 ASNH 2 15 9 017103 JAL 979383 7 024707 IHI BS8ONIVAHOD CHO dO Q3S5GHWO2 3AUH8V SALON Returned Check Image 00001234567 04 04 2007 00001234567 Saur pEr can ee it m a R F catt 8 UI lotio Doa a oh a ll d 4 LL mcm EC t m sso gt ues thes original ch n Sz M RETURN REASON S PAY Pan ond Suy AD 40 REFER TO MAKER 297 acre d wem TOME sanp CUR 7 A Ld iF eo o 0000 5 6000012345 4 00001234567890 O00012345k 19 00001223458 0000123456 0000123456 9295 92 95 92 95 25 5 2 OO 2 00 25 5 2 00 2002 65 0 0 2002 5 2002 0
16. 6504 ce UA WWE Sis Total Amount 2 130 38 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 7 1 1 EDITABLE NON EDITABLE DATA FIELDS Check Image C Check k Information EE 545845045 mom i a 2232 845645045 lt 0705 select the Split m button to enter Check Writer information multiple invoice 5 and amounts oc Enter Optional Check Writer Information When any promptu are made To delete an item To proceed to the select Save Changes to select Delete Check next item and save confirm the change your current changes select Save Next 2007 Secure Payment Systems 26 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 4 Select OK if you are satisfied with the changes 5 Select Cancel if you wish to make additional changes Check 123122123 4001123123123 293939301 lt 1038 44 500 00 a 2 Nc Information ABC Lompa Midu Veme 6 To verify changes select OK A E m Internet Explorer Ea b ow Changes Saved 2007 Secure Payment Systems 27
17. 8 Select Save Do you want to open save this file Mame TEDZ TED2Z BatchOut txt Text Document 169 bytes From wi soscheck 1 com Caneel While Files from the Internet can be useful some files can potentially harm your computer IF pou nat trust the source do nat open save this whats the risk Save As 9 Browse for location to Save in CSV Save file on your computer select TELX TELx 1 BatchOut Ext Save File is now ready to import to in house system The CSV file Desktop will automatically be named per the batch name of the specific batch of checks wW d Documents 10 To rename this file type the new filename into the file name field and select Save File name Ls TE LSN BatchOut te Save Network Save as type Text Document v 2007 Secure Payment Systems 35 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 11 2 COMBINED DAILY RETURNS RETURN CHECK DETAILS SECURE PAYMENT SYSTEMS Combined Daily Ret User PYAA 1 From the Main Menu including clients se ct System Messages Change to Not Include Clients SYSTEM WESSages Change to filter iy oor ae amp Codes onl Com bi ned Dai ly Retu rns User Manager Click on date to choose Sun Mon Tue Wed Thu Fri Sat 2 Choose t
18. Combined Daily Returns Draft transactions received before 17 00 00 Daily are guaranteed to be transmitted the same day System You have 17 Min 23 Sec left before the next Draft Cutoff IRD System Support Results Status Results for today Friday February 23rd 2007 are now available 4 1 1 PREPARE CHECKS FOR SCANNING Below are instructions on how to load checks for a specific scanner TS 350 400ES align checks along the right side of the scanner Digital Check TS 350 400ES __ A Magtek MICRImage neatly align the checks along the bottom left hand edge one at a time Magtek Imager TS230 65 neatly align the checks along the bottom and left hand edge loading them into the inboard hopper of the scanner until the sensor light turns on Digital Check TS230 65 2007 Secure Payment Systems 7 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 3 If you are scanning large volumes of checks you may want to invest in a Check Jogger device that organizes and aligns checks ina neat and consistent manner using a vibrating bin For more information on purchasing a Check Jogger contact SPS at 1 888 313 7842 Ensure checks are aligned properly in the scanner 2007 Secure Payment Systems 8 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 4 2 HOW TO SCAN CHECKS USING THE TS230 65 and TS350 SCANNERS This s
19. File Edit View Favorites Tools Help che Client Login Secure Payment Systems FileCode e UserName Q sisi BB BE e Password 77 Note Password is Case Sensitive All Caps are required Enter your File Code User Name and Password The password field is CASE SENSITIVE S a elect 1 File Code 2 User Name Enter 3 Password HOME Copyright 2006 Secure Payment Systems All Rights Reserved 2007 Secure Payment Systems 6 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 4 EXPRESSCHECK21 ELECTRONIC CHECK PROCESSING SYSTEM The following are detailed instructions that describe the process of scanning processing and batching out checks for deposit in your bank account 4 1 EXPRESSCHECK21 1 The Welcome to the Processing System page will appear secure Payment Welcome to the Processing System systems 2 Scroll to bottom left hand User PYAA side of page select your The current time at the server is 16 42 57 asp product solution System Messages ACH Transactions Cutoff time for ACH transactions is 18 00 01 ARC System User Manager ACH transactions received before 18 00 00 I or Credits Debits to be transmitted the same day IRD System To Your Accounts You have 1 Hr 17 Min 23 Sec left before the Results Draft Transactions Cutoff time for Draft transactions is 17 00 00 Eastern 5 00PND Daily
20. ber of Batches Processed that Day Amount and itself is composed of the FileCode followed by If entered during the Data Entry Process the data will also show i Example the field for the check processing Unique ID date followed by a oar ad e Customer ID and suffix Customer Name LB Consumer Item BC Non Consumer Item 2007 Secure Payment Systems 28 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide You may enter Control P to print this image to your connected printer View Batch Detaile To view a check simply select the Batch TELx1204 Check number Click on a column heading to sort by that column 1201 05 of 3 66 3700 123123123 2045045906 12 0106 13 87 1038 123123123 293939301 Backto Batch List Print this Report _ Download File Breakdown CoV File _ Front and back image of the check s pr EE Baer Lp cu m ooa mie Chie oe ee mj m EF a 9 gm u LE v HE E lL 4 m RIPE B iin eel I 1 2007 Secure Payment Systems 29 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution U
21. ction 6 2 Recover Unsaved Items Warning check is scanned improperly DO NOT select the Clear button this will Clear all check in the buffer To Delete a check use the Process Scanned Checks or Edit Delete Functions EFT Scanner Manager for DCC Scanners 3 0 hangs a 11 If you have more checks to Checkln Item 8 Act scan simply load them into Re the hopper and select Save complete Select SCAN for more checks or CLOSE to close window Scan More 12 Repeat steps 9 12 13 When you are done No More Checks in Feeder scanning checks select Close Window Close Window Scan Thick View Log NOTE Section 4 2 2 Save Checks must be completed If dialog box is closed and not saved you will not be able to process any items In order to process items checks must be recovered first see Section 6 2 Recover Unsaved Items When done please proceed to Section 5 Process Scanned Checks 2007 Secure Payment Systems 11 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution 2007 Secure Payment Systems User Guide 4 3 HOW TO SCAN CHECKS USING THE MAGTEK SCANNER This section is only for customers using the Magtek Scanner NOTE If you are using the TS230 65 or TS350 please go back to Section 4 2 How to Scan Checks Using the TS230 65 and TS350 1 From the ARC Main Menu select Scan Checks ARC System
22. ection is only for customers using the TS230 65 and TS350 NOTE If you have the Magtek scanner please skip this section and go to Section 4 3 How to Scan Checks Using the Magtek Scanner on page 12 BI q ech ARC System Use CTRL P to print any of the following screens after opening them First time users need to configure their system System Configuration 4 21 READY TO SCAN CHECKS EFT Scanner Manager for DCC Scanners 3 0 Image i Check Scan Status Check Info ltem al gt Rejected Duplicate Ready to Scan Checks Cum Scan Rejects Stop Select Scan Checks to begin processing of Clear items Eject Check Close Scan Thick View Log 2007 Secure Payment Systems 9 Scan Checks 4 From ARC Main Menu select 5 Ready to Scan Checks will appear on screen select Scan Checks Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT Scanner Manager for DCC Scanners 3 0 Select the Stop Scanning 6 Checks will begin to Image Check Scan Status feed throu h scanner Check Info 123123123 ACCT 293939301 CHK option when all check Accepted 10 g have been scanned 7 zz In th f SCANNING CHECKS Duplicate 5 7 images will V begin to appear in TC anen menan window as checks
23. es within two distinct environments NACHA s Accounts Receivable Conversion A R C Program e Federal Check 21 Program NACHA s A R C Program Rules and Regulations include the Following 1 The program only permits the conversion of a CONSUMER or PERSONAL type check and small format business check with no auxiliary on us field No other types of check may be converted under the A R C program 2 Only Consumer or Personal type checks that are received by the biller or merchant via mail messenger or a drop box are eligible for conversion 3 Consumers must be provided with NOTIFICATION that their check is subject to being converted to an electronic transaction 4 Consumers must be afforded an Opt Out option if they do not wish to have their personal check converted 5 The check must be destroyed no later than 14 calendar days after it has been scanned or converted to an electronic transaction 12 1 3 SCANNER OPERATIONS amp MAINTENANCE While not required to process checks for deposit it is possible to enter additional data for a specific check payment 2007 Secure Payment Systems 38 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide APPENDIX BANKING RULES 12 2 EXAMPLE NOTIFICATION LANGUAGE 12 2 1 REQUIREMENTS NECESSARY TO ELECTRONICALLY RE PRESENT RETURNED ITEMS OR TO ELECTRONICALLY RECOVER A STATE ALLOWED NSF FEE The banking rules require that the consumer be p
24. have been settled 2 Select the Results option next to the Filename you wish to view File Download FILENAME DATE BUA 2 FILENAME FILENAME 2007 Secure Payment Systems 30 E Resurs Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide A detailed listing of all items within the selected batch will appear including the total amount which will appear on your bank Results for statement as a deposit ALL ITEMS 3 Select Ctrl P to print I aiu All Paid List List OTHER List Click on a column heading to sort by that column dent None Ee Check Account aS Date 23 Number Humber Amount 12 15 2005 5010 123456789 369850008 74308 CUSTOMER NAME E 12 15 2005 n01376 123456789 36789505 53617 CUSTOMER NAME 12 15 2005 1386 123456789 3814610 160536 CUSTOMER NAME 12 15 2005 00004443 123458780 3698500089 78061 CUSTOMER NAME 12 15 2005 00001016 123456789 p 083092689 57768 CUSTOMER NAME 12 15 2005 0146 62851 75443 CUSTOMER NAME 12 15 2005 8728 123456789 0542237 11163 CUSTOMER NAME 12 15 2005 003062 12345679 15768305 1992 CUSTOMER NAME 12 15 2005 1173 123456790 4528403630 CUSTOMER NAME 12 15 2005 6022 123456789 0444760029 34807 CUSTOMER NAME 12 456 57 f
25. he date to see Credits Debits March 2007 Th Van TU X 2 check return details Hesults Combined Daily Returns Back 30 days Combined Daily Returns for PYAA Date 04 10 07 Download this report in CSV format Date Transaction Transaction Routing Account Check Return Corrected Corrected sedens Type Date Number Number Number Routing Account 0404 LBXDRAFT 4 4 07 0000123456 IMAGE 560 8 IMAGE 4 10 07 REVERSAL R Code Totals 1 items 560 87 3 A summary screen will appear showing File Grand Totals 1 items 560 87 Name Transaction Type Back to Calendar Transaction Date Routing Number Account Number Check Number Amount Return Code and Return Date 4 You can view the original check image Front and Back by clicking on the check number 5 The returned check image and the reason for return can be viewed by clicking on RET 2007 Secure Payment Systems 36 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide Use CTRL P to print this page Original Check Image 2 m Check No 0000456 EES a Date 3 30 2007 OR ee TT 1 Ze AHD 87 100 E mv 11 PROC LEVEL DEPT 00700 i OTHE ammm QU ORDER Geman damm e Genaral Manager OO0
26. ice of returned items in 3 5 days vs 7 10 14 days in paper form e Reduce banking fees on returned items Features e Retain customer specific data so that it does not have to be entered repeatedly e Create an export data file that can be uploaded into your accounts receivable program e 24 7 access to check images and data e Ability to consolidate banking activity for multiple locations to single account Digital Check Scanners The Digital Check TS 350 400ES is a high volume scanner that accepts 100 checks at a time processing 60 80 checks per minute or 3 000 per day and images both sides of checks in one pass Digital Check TS 350 400ES The Digital Check TS230 65 is a mid volume scanner that accepts 25 checks at a time processing up to 65 items per minute or 500 per day and images both sides of the checks in one pass Digital Check TS230 65 The Magtek Imager is a low volume scanner that accepts 1 check at a time processing or 30 checks per day and images both sides of the checks in two passes Magtek Imager 24 hour funding available for a nominal fee 2007 Secure Payment Systems 4 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 2 ABOUT SECURE PAYMENT SYSTEMS 00 2 1 THE COMPANY Secure Payment Systems SPS is a transaction processing and risk management company that specializes in the needs of small and midsize businesses In addition to t
27. if the Consumer does NOT want their personal consumer check converted Therefore if the following language is incorporated in the Merchant or Biller s invoices these requirements will be met Payments received by check will be electronically deposited unless you pay by non consumer type check You may opt out of this conversion program by paying with a money order or a travelers check The Merchant or Biller should note that all non consumer type checks will be processed as Check 21 IRD s as a Check 21 type item which requires NO Consumer notification or opt out provisions whatsoever 2007 Secure Payment Systems 39 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide APPENDIX C NACHA RULES AND REGULATIONS 12 3 NACHA RULES AND REGULATIONS Below are the network participants as they are identified in the ACH Rules along with a brief description of their role Originator agrees to initiate ACH entries into the payment system according to an arrangement with the Receiver Originating Depository Financial Institution ODFI receives payment instructions from Originators and forwards the entries to the ACH Operator ACH Operator is the central clearing facility operated by the Federal Reserve Bank or Electronic Payments Network on behalf of the DFIs to or from which Participating DFIs transmit or receive ACH entries Receiving Depository Financial Institution RDFI receives ACH en
28. lacie cde thes st a A KU hU MIL a Ue DUET 12 READY 5 A 14 5 PROCESS SCANNED CHE CR 7 ENL 16 5 1 DATAENIR tea 16 Sd 17 5 2 INDIVIDUAL HECK DATA 2 oe ee o RE Eo sages 17 K O a K OEEO ERTE Ld E SLE LU D ED TN 21 6 1 BATCH OUI AGHUELY WINDOW ernest M ect ov 21 6 2 RECOVER UNSAVEDITEMS ouem aei laedat 23 OAE SCAN MORE CHECKS broren name a i but oe ome votati did 24 T EDIT DELETE SCANNED CHECKS ecce ee eee eee eee eee eese sees esses ess eeeeee sees esee 25 7 1 Xm 25 T EDITABLE NON EDITABLE DATA FIBIEDS eite Rut eise ede eds 26 8 BASIC VIEWING AND SEARCH FEATURES ee eee eee esee ee eee esee eese eese ese esee 28 8 1 MITE WB AT COE S RE TR E M 26 9 VIEW RESULTS OF PROCESSED CHECKS 2 1 oreet eo peo rana pee epo eaa
29. les and Marketing sales securepaymentsystems com 2007 Secure Payment Systems 5 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 3 GETTING STARTED 3 1 CUSTOMER LOGIN Welcome to Secure Payment Systems Windows Internet Explorer voy v httpi securepaymentsystems com View Favorites Tools EE E 1 Turn on the scanner then turn on your computer Welcome to Secure Payment Systems F TELL Launch Internet Explorer me ita gt an ervices Merchant ales Agent Press Roo WWW Securepaymentsystems com On the right hand side of page click on expresscheck21 Website Web based Check21 and ARC Platform designed for retailers and businesses Press Releases Card Balance Inquiry Product Links X enCASH Website achXPRESS Website Secure Payment Systems Releases Check 21 Offering 7 expresscheck21 Website Secure Payment Systems SPS is proud Card z to announce the introduction of its new ex GEN010001999 Important Links Play It Again Sports Locations February 2007 Check21 ARC solution branded as expresscheck2 15 Once Upon Child Locations 3 1 1 LOGIN PAGE Client Login Secure Payment Systems Windows Internet Explorer Qo v ffwww expresscheck21 com 5 Enter your
30. nsaved by Check Info Accepted Iu id aziz Based items by selecting Duplicate RECOVERY REQUIRED Scan Recover Checks scanned in previous session where NOT saved the EFT SYSTEM Click on Recover Button to restore the last session Click on Clear Button to discard the last session Eject Check Select the Recover option to restore unsaved items View Log 2007 Secure Payment Systems 23 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide EFT Scanner Manager for DCC Scanners 3 0 3 Select Image i Check 4 Check Info 123123123 293939301 CHK 1038 Item lt lt Accepted Rejected Save Duplicate Feeder empty Select SCAN for more checks or SAVE to save items 4 When complete select Scan 4 3 Mrs Fran Donner Close 75 Annta Vista Roan Sia hon SAC NS Vernon 10552 lear Eject Check 2050030023 293939308 4038 View Log 6 2 1 SCAN MORE CHECKS EFT LEIS for DCC Scanners 3 0 1 Select Image Check Scan Check Info Item 0 Accepted Scan More Rejected Save complete Select se window p 2 Ready to Scan Checks begin the Scan Check will appear on screen 9 Scan Rejec select Scan Checks No More Checks in Feeder Clear 7
31. o Item 0 ER is i EEG EA Re the hopper and select D Save complete Select SCAN for more checks or CLOSE to close window 2 Scan More 6 Repeat steps 9 12 7 When you are done No More Checks in Feeder scanning checks select Close Window Close Window Scan Thick View Log NOTE Section 4 3 2 Save Checks must be completed If dialog box is closed and not saved you will not be able to process any items In order to process items checks must be recovered first see Section 6 2 Recover Unsaved Items When done please proceed to Section 5 Process Scanned Checks 2007 Secure Payment Systems 15 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 5 PROCESS SCANNED CHECKS 1 From Main Menu select E Process Scanned Checks ARC System NOTE Process Scanned Checks option must be Use CTRL P to print any of the following screens after opening them completed before any First time users need to configure their system System Configuration subsequent functions can be performed 5 1 DATA ENTRY FIELD Users with CAR LAR technology will automatically see their data entry field populated with MICR data information from the captured check images alleviating manual data entry work Scan Status The Scanned ARC Transactions amp AD C Good C Rejects Duplicate Zero Values window will appear
32. ois Reconciliation amount for bank statement 2007 Secure Payment Systems 31 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 10 SEARCH FOR SCANNED CHECKS y LL gi d chech21 1 From the ARC Main Menu select ARC Syste View Search Item History Use CTRL P to print of the following screens after opening them First time users need to configure their system System Configuration To search for any previously scanned and processed checks 2 Select any of the displayed my windows and enter the Routing Number 1 23123123 appropriate data to search m 1 for a specific check using Account Number that parameter NOTE Wildcard searches Amount cannot be done please ensure that all data is entered into search criteria field s pSearch Close 3 Select Search 2007 Secure Payment Systems 32 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide Search Item History window will appear 4 Double Click on Item Number To view Batch Details Check Number To view an image of the check front amp back 18 87 Click on a highlighted Check Number to view an image of the check front and back Select the Item Number to view details of that batch 2007 Secure Payment Systems 33 Tel 1 888 313 7842 ExpressCheck21
33. out your checks for transmission to SPS Follow these instructions and your checks will be transmitted to SPS for processing through our nations electronic banking network known as the ACH Checks will be cleared through this network with the funds deposited to your bank account EXIT ES 1 From the Main Menu select CleCck2T system Use CTRL P to print any of the following screens after opening them First time users need to configure their system System Configuration 6 1 Batch Out Facility Window Batch Out Facility The Batch Out Facility screen will appear allowing you to review all items scanned If all data is correct select Submit Batch If there are any errors select Cancel Select Cancel to correct any errors Repeat steps in Section 5 Select Submit Batch if all data is correct 2007 Secure Payment Systems 21 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide 1 bp IL t T Rui L 9 File Created TU TETEE IEEE LEX E SS Mee agnum LJ a dst e d p rm niin LEE RN psp mer ai er ELLE m yug sige i Mat M GA uud eM emi gears e qa Um eo eee na 1 EA Y Per notus vm us d
34. pon receipt of a Report of Possible Rules Violation NACHA will review the report and supporting documentation If it is determined that a rules violation may have taken place a Notice of Possible Rules Violation will be sent to the ACH Manager at the financial institution against which the Report was filed The financial institution that receives the Report will have 15 banking days to respond The response must either 1 acknowledge the violation and state when the problem will be corrected or 2 refute the allegation and attach supporting documentation If no response is received in 15 banking days of a Notice of Possible Rules Violations a Notice of Possible Fine will be sent to the ACH Manager and the CEO at the financial institution against which the Report was filed The financial institution will have 10 banking days to respond The response must either 1 acknowledge the violations and state when the problem can be corrected or 2 refute the allegation and attach supporting documentation If no response is received willful disregard or recurrence of the same problem occurs within a one year period fines may be assessed Fines range from 250 up to 10 000 2007 Secure Payment Systems 42 Tel 1 888 313 7842
35. raditional point of sale transaction processing we offer electronic check conversion gift and loyalty card processing a proprietary ATM debit payroll international funds transfer card as well as an array of sophisticated Web based products including a recurring debit and credit platform and the popular check21 solution In other words SPS provides you with affordable solutions that you need to compete with the retail elite SPS is helping business change the way it operates implementing enhanced check fraud algorithms focusing on new customer marketing strategies maximizing untapped opportunity protecting profits and increasing revenues And that is no small change 2 2 CUSTOM TAILORED APPLICATIONS SPS products and services are highly scalable and adaptable within all business environments via our secure state of the art web based software We understand that one size does not fit all No matter what your business SPS can custom tailor a payment solution to meet your specific needs so you can benefit from electronic processing technologies We fully integrated and enhanced the functionality of our products and services to specifically meet the needs of merchants banks financial institutions collection agencies property management companies and more 2 3 SPS CONTACT LIST For more information on our various solutions contact a SPS representative at 1 888 313 7842 Technical Support support osecurepavymentsystems com Sa
36. rovided with NOTIFICATION that any of their returned payments are subject to electronic re presentment The following language will fulfill this requirement and can be added to the above language if the Merchant or Biller is going to electronically re present returned items In the unlikely event your check payment is returned unpaid we may elect to electronically or by paper draft re present your check payment up to two more times In the event that the Merchant or Biller also wishes to electronically recover a state allowed NSF fee the banking rules require that some form of authorization be secured from the consumer This authorization may take a variety of forms depending on the particulars of how the Merchant or Biller engages their customers At a minimum the following will fulfill this requirement Please call SPS Customer Service to discuss further details You also understand and agree that we may collect a return processing charge by the same means in an amount not to exceed that as permitted by state law 12 2 2 REQUIREMENTS NECESSARY TO CONVERT CONSUMER CHECKS TO ELECTRONIC NACHA ARC ITEMS NACHA s ARC program is a very effective payment processing system requiring that everyone follow some simple rules The primary rules are 1 that a Consumer be provided with NOTIFICATION that their personal consumer check is going to be converted a definitive statement not an if or may and 2 an OPT OUT provision
37. ser Guide 9 VIEW RESULTS OF PROCESSED CHECKS ope https spscheck21 com mframeset html Secure Payment System Messages Credits Debits Your Accounts Results User Manager Combined Daily Returns ARC System RD System Supp upport out i Welcome to the Processing System The current time at the server is 16 42 37 as per the Atomic Clock ACH Transactions Cutoff time for ACH transactions is 18 00 00 Eastern 6 00PM Daily ACH transactions received before 18 00 00 Daily are guaranteed to be transmitted the same day You have 1 Hr 17 Min 23 Sec left before the next ACH Cutoff Draft Transactions Cutoff time for Draft transactions is 17 00 00 Fastern 5 00PM Daily Draft transactions received before 17 00 00 Daily are guaranteed to be transmitted the same day You have 17 Min 23 Sec left before the next Draft Cutoff Results Status Results for today Friday February 23rd 2007 are now available System Messages The current server processing date is 2 23 07 Transactions submitted now will be processed on this date Files for FILENAME DATE BUA showing files of type ALL Showing files for all dates Results file to search for Search Filter by date range start Date End Date Show all dates 1 From the Main System Menu select Results From the Results window you will see a listing of all batches by filename which
38. tion User Guide If a check is deleted the 3 TP g iet 123123123 snippet of the check will no longer be visible but 4 DEL _ DELETED _ 02100021 the status will show UU A T _ DELETED until these 2 Seats items are Batched Out 6 OK C 123123123 If a check was rejected and then processed manually the check will now show a status of 1 OK 063000021 Status Legend OK Check is good DUP Duplicate Check HEJ Rejected item DEL Deleted check 9 You will be prompted with a dialogue window to verify gt The total number items being processed gt The sum total amount Microsoft Internet Explore X of the batch of checks Confirm Save of being processed 7 Total Items 6 10 If all data is correct select J Total Amount 2 115 00 OK Cancel 11 If not select Please wait while processing Gaited 2007 Secure Payment Systems 19 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide wW ansac LIONS You Will return to the Scanned ARC Transactions Screen Make your necessary changes Microsoft Internet Explorer Once corrected select OK Please wait while processing 2007 Secure Payment Systems 20 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide You must Batch
39. tries from the ACH Operator and posts the entries to the accounts of its depositors Receivers Receiver is a natural person or an organization that has authorized an Originator to initiate an ACH entry to the receiver s account with the RDFI Third Party Processor which processes ACH files and or items on behalf of one for the participants in the ACH Network Third Party Sender authorizes an ODFI to transmit debits or credits to the account of a Receiver but which is not an Originator In these situations the Third party Sender acts as an intermediary between the Originator and the ODFI and there is no contractual agreement between them 2007 Secure Payment Systems 40 Tel 1 888 313 7842 ExpressCheck21 Electronic Check Processing and Deposit Solution User Guide APPENDIX D ACH FLOW The Originator provides notification to a Receiver or obtains authorization from a Receiver to initiate ACH transactions to a Receiver s account The Originator initiates a NACHA formatted file of transactions and presents the file to its Originating Depository Financial Institution ODFI The ODFI collects ACH transactions from participating Originators verifies the validity of the files and consolidates the files into one file to transmit to the ACH Operator The ODFI may retain entries for its own account holders The ACH Operator receives files from ODFIs edits the files to make sure they are formatted properly and distributes files transactions

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