Back Office Check Conversion Software

eSoftPay is an all inclusive ACH payment software solution for Windows based PC's with versions available for the Omni 3750 credit card equipment. eSoftPay makes it possible for any business to turn paper checks into electronic check transactions using a process referred to as "ECC" or "Electronic Check Conversion". ECC works by reading the numbers printed across the bottom of the customer's check and then electronically transmitting them to the checkwriter's bank. Optical character recognition is also available, if desired, to help speed up the check scanning/imaging process, since the check amount will not be magnetically encoded when you receive a check by mail. The amount of the check is then debited from the checkwriter's account and deposited into your account. Should the transaction be returned (bounce), the bad check image and information will automatically be transferred to us for collection, and best of all, your bank's NSF Fees will be eliminated, saving you an average of $5.00 to $10.00 per bad check.

eSoftPay software will benefit your company by consolidating all your check receipts and turning them into electronic deposits, rather than taking the time to prepare and deliver physical bank deposits. Converting physical checks to electronic deposits will eliminate your bank NSF fees when a check bounces and we have found that converting paper checks in your own back office also reduces the number of checks that bounce, partly because electronic transactions take precedence over paper transactions on the day they are presented against the check writer's account. And when you are converting the checks yourself into electronic debits the withdrawals usually hit the checkwriters' accounts quicker, hopefully before other paper checks they have written around the same time.

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When you decide to convert your customers' checks, we can do the electronic check collection as usual, if you make sure to enter or import all the customer data found on each check. Once the customer data (name, address, phone number(s), driver's license number, bank routing and account number, etc.) is in the software, the next check from that same customer scanned and imaged into the system will automatically have all the info for you added without any manual data entry being required.

eSoftPay can also be used to do "Direct Deposit" electronic payroll and Point of Purchase Check Conversion, if you accept checks over the counter in some cases where your employees could be connected to your computer network with an imager and printer. The software has an optional "Quick ACH Module" for businesses that use the Quick Books accounting package, that interfaces the two programs to streamline the acceptance of checks and "Direct Deposit" electronic payroll.

If you don't use Quick Books, eSoftPay comes with a liberal import/export function to communicate with many other accounting packages. Forget about printing payroll checks ever again. Your employees will now be on "Direct Deposit".

If you want to process ACH payments directly from your accounting system and don't have to convert paper checks, you can use our ACH Gateway without the need to purchase eSoftPay. You just create a compatible outsource file as often as required from your inhouse system. Then batch upload it to our ACH Gateway. You can process recurring or one-time preauthorized credits or debits for your customers, direct deposit employee payroll, independent contractors, etc. Our tech support staff will test your data files to make sure the ACH Gateway will process your electronic transactions correctly. Click Here for more information!

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No more "Check's in the Mail" excuses. With eSoftPay you can schedule electronic auto payments by check (or credit card with our approved merchant account) with pre-authorization from your customers. The recurring debits can be scheduled and revised whenever needed for any specific day(s) or date(s) each month. This can greatly reduce your billing expense and you will no longer be waiting for customers to get around to mailing in their payments.

In some cases you may find it profitable to accept a "Check by Phone" payment. Simply enter the customer's checking account information and the amount of the payment. If the customer information is already in the software, there's no need to enter it again. Just complete the transaction, with optional Check Verification, and the money will be debited from the checkwriter's account the next business day. Sure beats waiting for them to mail in a payment!

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A minimal investment to maximize profits and productivity!

When you see how comprehensive and user friendly our eSoftPay back office conversion software is, you'll be amazed at how small the investment is to implement these profitable solutions. Below you will find the pricing for the most common features used by our clients.

eSoftPay - Windows version (Network ready) - $295
Quick ACH Module (Optional for Quick Books users) - $175
One-Time Setup Fee - $35 per location.
Statement Fee and/or Monthly Billing Fee - $15

A Check Imager is required for check conversion (not required for "Direct Deposit" or Recurring Billing)

RDM EC7011 Imager (One step images Front and Back of check) - $525 (Preferred)
RDM EC7111 Imager w/credit card swipe (One step imaging w/credit card reader) - $596
MagTek RS232 Imager (Two passes required to image Front and Back of check) - $385
Canon CR-180 (High speed batch feeder/imager) - Approx. $3,500 (High volume applications)

Here are some typical transaction fees for a "Class A" account:

ACH Origination Fee - $0.16
ACH Return Fee - $0.30
Check 21/Image Replacement Document/Paper Draft Origination Fee - $0.25
Check 21/Image Replacement Document/Paper Draft Return Fee - $0.95
Credits - $0.16 per Origination / $0.30 per Return (i.e. "Direct Deposit" Electronic Payroll)
CAR/LAR (Optional Recognition of Check Amount) - $0.03 per image (i.e. checks sent by mail)
Optional CAPS check verification - $0.05 per check (For Point-of-Sale check conversion)

Your initial fee schedule will be determined by your company credit and financial profile.
Credit Card Processing Fees (optional) will be determined by separate application.

We also provide a solution for companies wishing to do Point-of-Sale check conversion only, without all the features that come with the eSoftPay software package. This solution uses the eSoftPay Countertop version and an Omni 3750 &: MagTek RS232 Imager w/modem.

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Please contact us if you would like to consider our state-of-the-art electronic solutions further, and we will be glad to explain all the benefits of doing in-house check conversion with you and also arrange an Internet teleconference product demonstration for you.