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| achXPRESS |

achXPRESS
is our new & improved web-based ACH processing tool designed
for small and medium-sized businesses. It facilitates the
electronic transfer of an authorized payment from a consumer's
checking or savings account to the business' bank account,
and vice versa with the introduction of our new "electronic
credit" feature.
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| expresscheck21 |

Secure
Payment Systems expresscheck21 is a hybrid, “patent pending”
web-based ARC / Check21 solution that processes and deposits
all types of paper items into electronic transactions or substitute
checks, better known as IRD, all through a single point of
entry system.
With expresscheck21 you can continue to accept your customer’s
paper check payments, either at your business location or
via the U.S. mail. You can then electronically process and
deposit checks without having to go to your bank. Scan, process
and deposit all types of paper items at your business location
using a check scanner. Captured images and data are then transmitted
for clearing and electronically deposited into your bank account. |
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Abbreviations:
ACH - Automated Clearing House
ARC - Accounts Receivable Conversion
IRD - Image Replacement Document
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