Merchant Capture

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Scan. Verify. Submit. Merchant Capture is an innovative and convenient solution that allows you to make daily or routine non cash deposits without ever leaving your place of business! This is done by scanning a check and transmitting its image through a secure network to the bank. Merchant Capture allows faster access to deposited funds and simplifies the entire deposit process which ultimately increases profitability!

Your deposit process will be simplified into three easy steps:
  1. Scan the checks using a check scanner
  2. Verify and edit deposit if necessary
  3. Submit deposit through our secure network

What do you need to get started? A PC and an internet connection. A check scanner is also required which is available through us upon approval. You submit your deposit through our secure network and we handle all the behind the scenes check processing.

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Experience the Benefits of Merchant Capture

Merchant Capture allows your business to more efficiently manage check receivables.

Have Access to Funds Faster:
  • Decrease the check processing period
  • Extend daily deposit deadline
  • Make deposits daily or as checks come into the business
Organize Your Finances:
  • Eliminate manual deposit preparation
  • Consolidate deposits from multiple locations into one centralized account
Gain More Time to Focus on Managing Your Business:
  • Make deposits 24 hours a day, seven days a week
  • Reduce or eliminate trips to the bank
  • Eliminate time consuming data entry

Frequently Asked Questions (FAQs)

Q What is Merchant Capture?

Merchant Capture utilizes a desktop scanner that connects to the merchant's PC and the Internet. With it, they can scan checks received from customers and issue deposits electronically to the bank anytime, day or night. It's the fastest way to turn check deposits into cash. Merchant Capture technology is available as a result of Check 21, which was passed in late 2004. This legislation encourages the electronification of the payment system by making a check image, and a substitute check, the legal equivalent of the original paper check.

Q How does Merchant Capture expedite funds availability?

Electronic deposits using Merchant Capture eliminate the need for clients to physically deliver checks to the bank, and can extend the deposit window beyond traditional banking hours. Once received by the bank, electronic items may be processed quicker.

Q When can electronic deposits be issued to the bank?

Businesses can transmit electronic deposits to the bank 24-hours a day, 7-days a week, even on weekends and holidays. The bank's business day for processing electronic deposits may also be extended.

Q What types of checks can be processed through Merchant Capture?

  • All personal and business U.S. checks and Postal money orders can be processed through Merchant Capture.
  • Checks from Canada and other foreign countries must be deposited traditionally.
  • Savings Bonds must also be deposited traditionally.

Q Is Merchant Capture the same product that retailers are using at the Point-of-Purchase?

No. Many retailers are using a product referred to as P.O.P. that produces an ACH debit and truncates the check. Merchant Capture scans the physical check and creates an image that is electronically transferred to the bank with the deposit.

Q How Secure is Merchant Capture?

Merchant Capture features multiple layers of security including password protection, Internet firewalls, and 128-bit encryption, the highest level of security available.

Q How do customers prevent checks from being scanned and deposited twice?

The software has a built-in tool that detects items already captured. If the software detects a potential duplicate check, an alert prompts them to make a decision about the item in question.

Q How do customers know if the image quality is acceptable?

The software has an Image Quality Assessment (IQA) tool that automatically identifies checks with missing or unreadable fields.

Q Who typically uses the system?

Individuals already in charge of manually preparing and delivering deposits are typically the end users of Merchant Capture.

Q What do I do with the original paper checks after scanning & making a deposit?

It is recommended that the original checks be securely stored for a period of time as directed by the financial institution, usually a minimum of 14 days or longer. Guidance for proper handling of original checks is provided to the merchant in the User's Starter Kit.

Q What do businesses need to use Merchant Capture?

  • A PC with a current version of Microsoft 2000 or XP
  • A supported desktop check scanner and software.
  • A high-speed Internet connection.
  • An account with FIRST NATIONAL BANK