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How CheckAccess Works
- Customer completes your online order
form, providing checking account information.
- Submitted form is accepted by the secure
server via a secure SSL socket.
- Customer's ABA information is immediately
verified against a national database.
- Order confirmation is sent to you and
to your customer.
- Using a computer system not connected to the
Web, FiNET (the EFT processor) will initiate an electronic funds
transfer (EFT) from your customer's bank account to yours.
Additional Payment Acceptance Ability:
The more payment options that are available
to your customers, the more likely it is that they will purchase from
you. Though much of the buying public uses credit cards, many consumers
either do not hold them or prefer not to use them. Only one out of
four checking account customers hold credit cards with available lines
of credit. Why limit your business to accepting only one form of payment?
Accepting customers who prefer checking accounts will greatly expand
your customer base.
With CheckAccess, you are enabled to accept payment
from personal and business checking accounts. No credit card merchant
account is required.
Instead of waiting for the "check in the mail"
and matching payments to orders, CheckAccess enables you to accept
secure payments online. Billing expenses such as postage, invoicing,
and bookkeeping are eliminated.
No Hardware or Software Required:
CheckAccess is included in our suite of products
and is quickly and easily integrated into your existing online order
forms. No software or hardware is required by you or your customers!
Once pageAccess' products are in place on your site, your work is
done. When a customer places an order on your site, you and your
customer receive immediate verification of the order. The information
you receive includes the customer's name, address, phone number,
e-mail address, items ordered, and the order total.
No Need for Your Own Secure Server:
Since pageAccess offers complete
security on payments from any web site, there is no need for you
or your customers to worry about information theft. With pageAccess,
you can eliminate your need for a secure server.
This system enables your customers
to order online without ever having to transmit their account information
over a non-secure Internet connection. pageAccess' services (including
CheckAccess) are designed to work via the Internet using a proprietary
system, a Netscape Commerce Server, PGP encryption and SSL. You
do not need to invest in any security features for your site. (Click here for a detailed explanation
of our security.)
All US Checking Accounts Accepted:
CheckAccess is available to
any merchant in the world who accepts payment in US funds. Customers
can use checking accounts drawn on US banks.
Detailed Reporting:
Detailed reports are generated showing the
customer information for each order. The reports are emailed to
you on a daily basis. The emailed reports include an attached tab-delimited
file of all orders. This file can be imported directly into your
accounting system. These reports dramatically decrease your time
spent for matching payments with orders.
EFT Processing Fees:
In order to use CheckAccess, you must have
an account with FiNET, a trusted EFT processor. Rates are as follows:
- No Application Fee
- No Discount Rate (transaction percentage
= 0%)
- Transaction fee: $0.50
- Returned item fee: $1.50
- Monthly maintenance fee: $15.00
FiNET's fees are above and beyond pageAccess prices.
Restrictions: EFT account requests are
subject to review by FiNET (acceptance rates are approximately 99%).
FiNET is unable to work with merchants in the travel industry or
those who provide adult entertainment. FiNET's EFT service is available
only for transactions under $500.
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