Jason Schwartz
Jason Schwartz is CEO of Creative CashFlow solutions, a New York based company offering ACH payment and online check processing services. Learn more at
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Checks Out at Checkout

Help Your Visitors Become Customers

Jason Schwartz

September 27, 2006

1.5/5.0 (2 votes total)

As businesses providing services and goods that can be purchased online, ask yourselves this question: am I doing everything I can to enable my visitors to buy my products?

Are you offering them a complete range of payment options? Or are you, like some many online businesses, making the mistake of assuming everyone has a valid credit or debit card? They don't.

In fact, over 11% of the population of the United States doesn't have a credit or debit card and, of course, millions more are maxed out at any one time. Do you really want to ignore 30 million plus potential customers? No? Didn't think so.

The solution is to offer check payments to customers. With the increased availability of online check solutions for all sizes of business, problems normally associated with accepting checks - such as delays in receiving payment, bad checks and the additional banking time - are largely a thing of the past.


A complete online check processing service will include check verification, so you can determine whether an account is overdrawn or closed before dispatching goods; the ability to accept checks by fax and phone as well as online; fast, automated transfer of funds from the customers account to yours and even electronic check recovery.

As well as increasing the number of potential customers, there are other advantages of such a solution for any online business. These include :

Eliminates "the check is in the mail" syndrome.

Allows faster access to funds than waiting for check payment by mail.

Reduces labor costs associated with physical check processing.

Cheaper than accepting credit cards and lower risk of credit card charge backs.

Saves on expensive invoicing and mailing costs.


There are a number of companies offering third party online check processing services, many of whom also provide integration with your current shopping cart. The smaller online business would be well advised to choose a service that takes a small percentage of the value of each check with no monthly minimum number of transactions. On the other hand, companies dealing with larger check values may find that a transaction processor offering a flat fee per check is a better option.

Whichever option you choose, online check processing can both increase your customer base and streamline your current billing processes. It maybe time you asked your customers to get their checks out at checkout.


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