| Frequently Asked Questions |
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What is an Electronic Check? |
An electronic check is an “electronic” replacement for the old paper check. Instead of asking your customer to mail you a paper check, Payments Xpress gives you the ability to ask your customers to simply provide their bank account number instead. You submit that check information to Payments Xpress and we move the money electronically from your customer’s bank account directly to your merchant bank account. |
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What is ACH? |
ACH stands for Automated Clearing House which is the name of the system implement by the Federal Reserve for the purpose of exchanging check payments electronically between banks. |
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How do I use Payments Xpress to process electronic checks? |
Fill out an application provided by one of our sales reps and provide the materials requested. Each merchant who is approved to process electronic checks through Payments Xpress is assigned a Merchant ID and login credentials to use our system. |
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What software do I use to create and manage check payments? |
Our Xpress Payment Console is a browser-based software application that allows you to create and manage check transactions over the Internet anywhere in the world. |
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Do you have an Internet gateway? |
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Yes. Our Xpress Payment Gateway allows you to connect your e-commerce website and other Internet-aware software applications for automatic processing of payments. We have several different API’s that allow multiple methods for sending transactions and downloading status update information. |
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| Can I use Payments Xpress at more than one office/location? |
| Yes. You can easily define multiple locations for your business using the Xpress Payment Console and then keep track of payment transactions by location. Since the Xpress Payment Console is an Internet-based application, it can be accessed through any web browser connected to the Internet anywhere your offices are located. Users can even be restricted to managing transactions for the specific location(s) you assign them to. |
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| When do I receive funds from a check payment? |
| The default for most merchants is 5 banking business days. Settlements can occur sooner for munipalities, utilities and other merchants that meet specific underwriting requirements. |
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| Can I setup multiple users to access the Xpress Payment Console? |
| Yes. You can assign login credentials to as many users as you want. You have the ability to assign privileges to these each user so you can control exactly what they can do and what they can see in the Xpress Payment Console. |
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| Can I integrate Payments Xpress into my accounting system? |
| Yes. We have created several API’s that allow software applications to communicate directly with our Xpress Payment Gateway. A programmer familiar with your software will have no problem uploading or downloading transaction data between Payments Xpress and your accounting system. |
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| What are your customer service hours? |
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| Payments Xpress customer service hours are 8:00am - 6:00pm CST. We provide support by email and telephone as needed. |
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| How secure is the account data sent to you? |
| We are required by ACH regulations and laws to implement the tightest security standards possible to ensure the protection of all financial information processed through our company. All financial data communications are secured with 128-bit or higher encryption standards. Financial data stored on our systems is encrypted and limited to authorized, password-protected access only. Physical access to all systems storing financial information is restricted to authorized personnel only. Security audits are performed each year to ensure compliance with all data security regulations and laws. |
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| Is my company information or my customers’ information kept private? |
| Absolutely. Your privacy and the privacy of your customers is as important to us as protecting your financial data. At no time will contact information submitted to Payments Xpress be shared with other companies for marketing purposes. We do reserve the right to submit contact information to third-party banks and payment processors when necessary for the purpose of processing your payment transactions or when participating in payment industry efforts at reducing fraud and risk. |
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