Check 21 Solution

expresscheck21 is a hybrid, "patent pending" web-based ARC / Check 21 solution that processes   and deposits all types of paper items into electronic transactions or substitute checks, better known as IRD, all through a single point of entry system. expresscheck21 is designed for retailers and businesses to accept both consumer and non-consumer checks so they can be processed in the back-office.

With expresscheck21 you can continue to accept your customer's paper check payments, either at your business location or via the U.S. mail. You can then electronically process and deposit checks without having to go to your bank. Simply scan, process and deposit all types of paper items at your business location using a check scanner. Captured images and data are then transmitted for clearing and electronically deposited into your bank account.

It‘s simple. Everything is done in your business environment, no bank visits or deposit slips. All you need is internet access, one of our desktop scanners, and a personal computer. Run the checks through the scanner and watch each paper check convert into an electronic image, and automatically into an electronic deposit. Our technology seamlessly captures and populates accurate check images and MICR data information into the data fields, alleviating manual data entry work for you.

The Check 21 Process
  • Merchant receives checks from customers
  • In the merchant's back office, utilizing a scanner and web-based expresscheck21 technology, the checks are scanned and sent electronically to Secure Payment Systems for processing
  • expresscheck21 distinguishes between non-consumer checks (corporate, payroll checks, etc. which are processed using image exchange through the Federal Reserve) and consumer checks (processed via the ACH network)
  • Merchant receives funds from Secure Payment Systems
  • Check Images and Data
    24/7 access to retrieve your check images and payment status
  • Flexibility and Scalability
    Highly scalable to support any payment volume, from small single users to large payment processing environments
  • Data Security
    All data transmission is performed via a secure web-based system
  • Direct2FED Line
    Ability to accelerate check clearing. Secure Payment Systems sends your transit check items directly to the Federal Reserve
  • CAR / LAR Technology
    Automated method to capture the dollar amount on the check and reduce entry time and errors
  • Secure and easy to set-up (web-based)
  • Enables acceptance of all types of checks at the point-of-sale
  • Requires no check scanning equipment at the register
  • Simplifies and speeds up check handling & processing
  • Lowers the cost of payment processing
  • 24-48 hour funds availability*
  • Improves response time and accuracy
  • No more waiting in line at the bank
  • Promotes better customer service
  • Faster notification of returned items (3-5 days’ vs 7-10 days in paper form)
  • Facilitates better access, storage, retrieval, & distribution of checks
  • Enables consolidation of banking relationships for business locations
  • Substantial savings on returned items fees
  • Banks can accept images from us and settle directly with their merchants**
Desktop Check Scanners

TS - 350/400
High Volume Digital Check TS - 350/400

  • Accepts 100 checks at a time
  • Processes 60-80 checks per minute, 3,000 per day
  • Images both sides of checks in one pass

Mid Volume Digital-Check TS230-65/100

  • Accepts 25 checks at a time
  • Processes 65 checks per minute, + or - 500 per day
  • Images both sides of checks in one pass

Digital Check CX30
Low Volume Digital Check CX30

  • Accepts 1 check at a time
  • Processes 30 checks per minute; up to 500 checks per day
  • Images both sides of the check in one pass
  • Standard USB 2.0 connection

MagTek MICRImage
Low Volume MagTek MICRImage

  • Accepts 1 check at a time
  • Processes 30 checks per day
  • Images both sides of checks in two passes

ARC - Accounts Receivable Conversion
IRD - Image Replacement Document
CAR / LAR - Courtesy Amount Recognition / Legal Amount Recognition
* 24 hour funds availability at a minimal surcharge
** A small transaction fee reduction may apply


Check Conversion

SPS supports over 1,000 Grocery stores and Convenience Stores for Electronic Check Conversion.