"At first I was doubtful that we would use this service much at all. I was wrong. Our clients have really appreciated the ease with which they can make payments and we don't have to deal with 'the check is in the mail'. It has been well worth the costs we paid to get set up."A. Martin, Taggart and Associates, Inc.
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.