Helcim Merchant Services & Credit Card Processing United States Helcim Merchant Services Canada

Electronic Check Service (ECS)

Our Electronic Check Service (ECS) allows you to automatically convert and deposit checks using an Electronic Check Reader. These readers can be attached to your existing terminal equipment for seamless operations. Contact us for more information on getting started.

ECS Verify
ECS Guarantee
Optional Equipment Purchase

* It is the merchant's responsibility to understand what type of check reader/imager they are using and what types of checks they are able to accept. If ineligible checks are accepted and processed, such items are subject to chargeback. Not all check types that are eligible for conversion are eligible for guarantee. ECS discount rates are subject to adjustments based on merchant loss experience, POP/BOC vs. ARC, and merchant MCC group. These factors also impact maximum check amounts that can be processed.

Only personal, business/corporate and convenience checks are eligible for guarantee. In addition, checks must include the following to be eligible for guarantee: (1) The check writer's pre-printed name (2) Pre-printed serial number (no temporary or starter checks) (3) Street address or complete mailing address (no P.O. Boxes) (4) Must be made payable to your business (no third-party checks). Check Guarantee requires you to obtain information about the check writer by entering the information when prompted by the POS terminal or by printing the information on the face of the check prior to scanning it through your check reader/imager. Information required includes (1) Drivers license number (alphanumeric) (2) State abbreviation or numeric state code for driver’s license state of issuance (3) Check writer's telephone number, with area code.

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The Helcim name and logo are trademarks of Helcim Inc. The Visa and MasterCard logos are trademarks of Visa International and MasterCard International Incorporated. Other tradenames may be trademarks of their respective owners. Helcim is a registered MSP/ISO of Elavon, Inc. Georgia [,a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN]. New applicants are subject to conditions and approval of the application by Helcim and its partnering banks.