Payment 21
Payment 21 Payment 21 Payment 21

Check 21 DD

Payment21® comes in two standards

Payment21® works for clearing check payments in USD using both financial transaction standards: ACH and Check 21. Check 21 DD powered by Payment21® is the latest technological solution for processing digital check images over the Internet.

Our proprietary solution allows your website to accept check payments and turn them into Check 21 items. The payment process works instantly over the Web with no need for the customer to mail in a paper check. With our Application Program Interface (API), your website is automatically connected to Payment21®'s Check 21 processing.

As soon as the transaction is properly authorized, Payment21® creates a check entry, and then makes a check draft for printing, and subsequently generates a digital check in the Cloud. As a final step, the electronic image is transferred to the bank for deposit.

Our authorization mechanism supports obtaining preauthorization from consumers for check payments through check drafting as permitted by The Check Clearing for the 21st Century Act. Payment21® ensures compliance with U.S.-banking rules and regulations which are designed to provide consumers with robust protection covering check transactions based on the Federal Reserve Bank Operating Circular, as well as the Uniform Commercial Code (UCC). In addition to this, our authorization measurements are compliant with NACHA-operating rules for Web-initiated and TEL-initiated ACH-entries.

Your customer's "pay by check" orders utilizing Check 21 DD can be cleared with the U.S. Federal Reserve System within a single day! This means your e-business enterprise can accept U.S. checks anywhere in the world, with Payment21® automatically submitting and clearing these transactions online.

Payment21® Check 21-technology offers two different services 

eCheck Print™ - Remote capure of eCheck entries & secure printing of check drafts 

This is aimed at merchants who already have an established bulk check deposit relationship with their bank, with perhaps even a method of scanning checks and sending mail-in checks electronically, also referred to as Remote Deposit Capture (RDC). 

Check 21 DD - An online processing solution for demand draft 

Payment21® provides accredited Remote Deposit Capture services in the Cloud. We enable merchants to accept demand drafts online in compliance with the Check 21 Act. Payment21® verifies financial data originating from electronic entries, and offers print on demand (POD) and imaging capabilities. Our service leverages your e-commerce application and back office payment infrastructure through a Web-based truncation system and digital deposit engine. As your third-party lockbox provider, we automate imaging of check payments, and deposit Check 21-items via Image Cash Letter to your bank. Our RDC service provides same-day clearing of funds to high-volume businesses that deposit thousands of checks a month.

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