Mail order/telephone order businesses can process check payments received in the mail or check information received over phone with our Virtual Terminal. Storefronts streamline check payments with the Virtual Terminal by imaging and converting paper checks into electronic check items. The Virtual terminal provides merchants with a method of processing check payments online using an Internet connection, ECHO's web site, and an imager.

Whether you are a subscription business or utilities company, the browser-based Virtual Terminal provides merchants with instant processing, online reporting of transactions and fast 48-hour funds deposit while utilizing PIN and SSL security encryption. With the Virtual Terminal solution and Electronic Check Conversion (ARC), merchants can process paper checks and streamline back office operations:

  Virtual Terminal processing benefits:

• Convert paper checks into electronic check items
  
• Transactions verified by the National Check Network (NCN) improving check acceptance
• Key in check data or swipe through optional check reader or imager
  
• Bank routing information validated before processing
  
• Transaction reporting available online
  
• Automatic re-initiation for return check items
  
• 24/7/365 customer support

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