The process of scanning and electronically transmitting the MICR line of a check from the POS to the paying bank for settlement. Converted checks are routed through the collecting bank to the ACH system and on to the paying bank.

Here's how it works

The EC6000i scanner captures the MICR information (including the sale amount) and the image of the check.  The MICR information is transmitted through the card terminal's modem to a check authorization service (the check is not negotiable, it is only a source document for the consumer's checking account).

Images can be uploaded from the EC6000i to RDM's Image & Transaction Management System (ITMS) either in real-time throughout the day or batch mode at the end of the day, after the merchant closes the check batch.

The ACH processor has access to RDM's ITMS system.  This allows them to request any check images which they require in order to assist in processing returned check items (NSF or Administrative returns).  Images can be viewed on-line via the ITMS online (www.itms-online.com) website or in an automated batch request.

Electronic Check Conversion diagram - Click here to view PDF

RDM's ECC Solutions

RDM supports and enables the electronic conversion of checks with the EC6000i series of imagers, ITMS and our partnerships with processors and terminal manufacturers.

In a terminal-based application, the merchant can utilize products from the leading terminal manufacturers to work in conjunction with the EC6000i imagers.  RDM has also developed a number of strong partnerships with processors to ensure the smooth integration of RDM's ECC solution into existing POS operations.

In PC-based applications, RDM can also provide a great degree of flexibility and compatibility for the end user.  RDM provides Application Developers Kits to those companies choosing to write their own applications and can provide the support and resources to ensure the EC6000i's smooth integration into any PC-based application.

As with terminal-based systems, a PC-based application can also include one of RDM's processing partners and ITMS to provide a complete ECC solution.