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Check
Printing Software
Perhaps
the best that can be said about this software is that
IAVOA.com, VACertification.com and
AVirtualSolution.com all use this software on a daily
basis. If it works for us it will work for you!
Print
Checks from your customers ready to be deposited
immediately. This is the purpose for which most people
buy Checker software. The information needed to print
customers' checks comes to you...
- by
phone or fax or and you type it into Checker - or it
comes to you...
- by
email or from a form on your web site - and...you
type it into Checker
- These
"checks" from customers are called Bank
Drafts. They are not signed. A "legal
disclaimer" replaces the signature. It says
something like "This Transaction Authorized by
your Depositor, No Signature Required". These
"drafts" were made legal by statutory law
over 10 years ago in the USA and more recently in
Canada.
Print
Blank Personal Checks or Business Checks for your own
accounts so you don't have to buy blank checks. You can
even make it print checks to pay your bills when they're
due. All you'll have to do is change the amount and
check no. and print 'em and mail 'em.
And,
your only cost is a few bucks for the software and one
to five cents a check for check safety paper. I know I
should charge more for the software, but you guys expect
a lot for a buck these days.
And,
since you don't need anything but the software and check
paper - no credit check, no
approval, no agreement with your bank, no nothin -
you can purchase, download and start
using Checker today to...
- Put
your customers on AutoPay and save a ton of money,
work, and worry...
- Billing:
You don't need to send a bill to customers on
AutoPay. If you have 4000 monthly accounts and
25% of them authorize you to draft their
checking accounts monthly, and if statements
cost you $.50 each to prepare and send, you will
save $500 per month on billing costs. What if
billing costs you closer to $1.00 per account
and what if 50% or 75% of your customers switch
to AutoPay? Once you own our software, AutoPay
costs you 2.5-7.5 cents per account for the
paper to print the bank draft on, and nothing
more.
- Cash
Flow: Whatever percentage of your customers
switch to Autopay, that same percentage of your
cash flow becomes totally predictable. You will
know exactly when you will receive it each month
and when you can spend it.
- Work
and Worry: Customers on AutoPay won't pay late
and won't have to be contacted. You can just
concentrate on providing them good products and
services.
- Collect
money for whatever you're services or what you are
selling on the 'net without all the nightmares of a
credit card merchant account.
- Collect
from whoever owes you money without hearing
"it's in the mail".
- Pay
your monthly bills automatically without writer's
cramp
You
can start using this software today for $19.95 and have
your clients filling out a form on your web site and not
waiting for several weeks for "THE
CHECK THAT IS IN THE MAIL"!
Check
Printing Software
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IS
THIS LEGAL?
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OF
COURSE IT'S LEGAL!
Check
demand drafts, or "drafting" funds
from a second party's checking account, have
been a method of payment for more than 8 years.
Fax,
E-Mail, and Telephone checks (pre-authorized
paper bank drafts) are completely legal. It
makes no more sense for a bank to refuse to
honor a draft as to refuse any other check.
The
primary requirement is that the checking account
holder (your customer) must give you verbal,
electronic, or written pre-authorization, such
as faxing you their check. or clicking an
authorization box on a web form. Once you've
received pre-authorization, you don't need a
signature on the paper-draft just as you don't
need a signature on a phoned in credit card
order.
Paper
drafts are explicitly established as a legal
method for payment as provided in: Uniform
Commercial Code, Title 1, Section 1-201 [39] and
Title 3, Sections 3-104, 3-403, 2-403 Code of
Federal Regulations, Title 12 Chapter II, Part
210 Regulation J, Federal Reserve Bank, Part 2,
Sections 4a-201 to 4a-212.
The
Federal Trade Commission in late 1995 proposed
rules that became law in January 1996
(Regulation 16CFR Part 310) that requires
businesses who take checks over the phone to
have a "verification" procedure in
place.
IT'S
LEGAL IN CANADA TOO!
Any one
of the following gives Proper
"verification" ...
- written
authorization received by mail or fax
- recording
the "authorization" phone call
with customers permission
- sending out
written notice to customer prior to
depositing paper draft. This notice only
needs to be in the mail prior to making
deposit. The email confirmations sent by
Checker 3.0 PRO satisfy this requirement.
In actual
practice, this verification will never be needed
unless your customer later claims that no
authorization was given. I have never had this
happen to me, and I don't think you will if your
dealings are honest. It doesn't seem to be much
of an issue with small checks. The larger your
check amounts, the more you may want to
religiously follow a verification procedure
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