Payment 21
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Representments

Automatically resubmitting non-sufficient fund (NSF) checks

Payment21® Representments is an add-on service to resubmit bounced checks. Our representment process minimizes the time and effort needed to collect debt while maximizing your profits by automatically presenting non-sufficient fund (NSF) checks. When your customer's check bounces due to NSF and your bank issues an electronic copy of the return transaction, Payment21® can automatically extract customer check data and import the data into your Payment21® database to enable transactions to be resubmitted single or multiple times via third-parties or directly with the bank's ACH Network. We use proprietary technologies that ping an account for the amount of funds needed. The system determines the best time to debit that customer's bank account. Once funds become available, we electronically debit funds and notify the customer's bank of the ACH transaction.

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