How Does CheckComposer.com Work?
CheckComposer.com allows you to draft your clients
bank account for re-curing payments. It is 100% internet based and provides a fast
and economical means of GETTING PAID! What About The Signature On The Checks? The
reason that the drafts are accepted by the bank, is that they carry a message in
the print out that states, "Payment authorized by accountholder. Indemnification
agreement provided by: your company name". This assures the bank that you have physically
or verbally recorded proof in some form that the customer authorized the draft.
Sample Check Authorization Form (Microsoft Word)
What About The Signature On The Checks?
The reason that the drafts are accepted by the bank, is that they carry
a message in the print out that states, "Payment authorized by accountholder. Indemnification
agreement provided by: your company name". This assures the bank that you have physically
or verbally recorded proof in some form that the customer authorized the draft.
Are Taking Checks By Phone / Fax Legal?
YES, many businesses including phone and utility companies have been taking
checks by phone/fax for years. We are not lawyers and cannot give legal advice,
but here are some links to the specific laws which enable businesses to accept payment
by phone/fax.
Is My And My Clients Account Information
Secure?
YES - We use multiple layers of security which protect your
data...
- CheckComposer.com requires an email and password to
log on
- We use secure SSL communications
- Our data center has built in firewalls and is constantly
monitored for intrusions
- All sensitive date including credit card numbers and
account numbers is encrypted using 128 bit encryption
- Your data is automatically backed up on a daily basis
Printing On Plain Paper Vs Purchasing
Check Stock?
Using CheckComposer.com, you can print your checks on blank
8.5" X 11' paper, however, you can and should use check stock. Although you can print your checks on regular paper, purchasing
check stock has the following benefits and security features:
- Perforations - check stock is perforated so you don't
have to worry about manually cutting checks
- Chemical Protection - stains or spots appear with chemical
alteration
- Erasure Protection - white mark appears when erased
- Security Screen - absence of "original document" verbiage
on back of check
- Authentic Watermark - authentic watermark not visible
when held to light
Do I Need A Special Printer Or
Toner?
NO - since most of the banks now use OCR (Optical Character
Recognition) to read the MICR line on checks and drafts, special toner is not required.
Even if your bank does not have OCR equipment installed, the regular toner used
in LaserJet printers is magnetic and can usually be read by banks that are not using
OCR. If the bank's automated system cannot read this information, the check or draft
will still get processed because the bank will manually enter the MICR line at the
bottom of the check in magnetic ink. If you have a problem processing checks through
your bank and feel that you need MICR toner, it can be ordered from
What Are The Computer Requirements
There are no special computer requirements, CheckComposer.com
is 100% internet based. No programs to install, no data to backup, no upgrades.
Simply sign-on to CheckComposer.com and do your business. We do use the industry
standard Adobe Reader to view checks, so the Reader Software will need to be installed
on your computer.
Can CheckComposer.com Import Data?
If you do not wish to spend the time hand entering your
clients, we do provide a data import service. You will be required to email
us your client list, we will pre-load your CheckComposer.com account with all your
clients. The import carries an additional charge of $99.00 per hour.
Where Can I Buy Blank Check Stock?
We have several companies which supply quality check stock, click
the link below to order checks
Check Here To See You Check Ordering Options
What About Printing Mailing Labels And Envelopes
CheckComposer.com allows you to print mailing labels on standard Avery
forms, or you can load your printer with envelopes and print right on the envelope.
If you print envelopes, you can even print a return address.
- Use standard #10 windowless envelopes
- Use Avery 5660 labels for mailing labels
Do you guarantee that the check will clear?
CheckComposer.com does not verify nor guarantee funds in your customers
bank account. The banking system does not provide an automated method to verify
funds.
The only way to verify that your check will clear is to call your customers bank
and ask them if the account has sufficient funds for the check you are looking to
process. Most banks will give you a yes or no answer, but not give you any
additional detail on the account.
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