"As a commercial collection agency, taking checks by phone, fax, e-mail, and via our website is one of the most important and powerful tools we can give our collectors to get payments made immediately. We can also receive payments from our clients when they are paid direct and we have to invoice them. We just include a Check by fax or e-mail form, which I created, with our invoice or we refer them to our "Pay by Vcheck" link on our website. For debtors it gives them the opportunity to pay their account without ever speaking to a collector on the phone.
R. Eskin, United States Credit Adjustment Corp.
I have been in collections for over 35 years, and this is by far the best program of its kind I have ever used. On the VERY rare occasion, I need assistance; I receive a call very promptly and have never had an issue the support department could not talk me through. I give Vcheck my highest recommendation! I could not imagine having to run this agency without having Vcheck. Ninety percent (90%) of my debtor payments are paid via Vcheck. You do the math!"
Electronic Signature Capture - Real Signed Checks
While there are many software programs available that allow you to accept checks by phone, by fax or the internet - Vcheck is the only system that allows you to print checks with the customer's actual signature included!
That's right! Our system has the exclusive feature of Electronically Captured Signatures. This special feature actually allows your customers to sign the check they are submitting with their mouse! This electronic signature is converted to an image and placed on the check that you print. If printed on blank check stock using MICR toner, there is absolutely no difference in appearance nor functionality between a check our system produces and one the customer would write by hand.
Electronic signatures are secure and legally enforceable as outlined in the Congressional Electronics Signatures in Global and National Commerce Act of 2000
E-signatures are used by Microsoft, Charles Schwab, Cisco Systems, numerous law firms, real estate transaction services, and now, our own Vcheck service. The customer's electronic signature combined with the capture of their computer's IP address, the image verification required to submit the check form, and the unique transaction number assigned to every check far exceed the requirements for a legally binding e-signature.
For security and privacy, the actual signature is not stored – only the hundreds of coordinates of the mouse movements, and those coordinates are encrypted when saved. These are decrypted and converted into an image of the signature only when the final check is created, and then the actual image is deleted.
Below is an image (reduced in size) of a check created using our E-Sign option.
Try it Yourself!
To demonstrate how the signature capture works, assuming you are using a modern browser, a yellow box should appear below. Simply put your mouse within the box and sign your name along the signature line. When you click submit, the form will be replaced with a dynamically generated .JPG image file of your signature. When you use the Signature Capture feature of Vcheck, your customer's signature will appear on the printed check.