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Electronic Check Acceptance® (ECA®) Via the Eclipse® Terminal
Eclipse Terminal


 Designed by transaction processing experts, the Eclipse terminal makes all types of payment transactions easier.

The Eclipse terminal processes a variety of noncash transactions in one integrated package. Merchants no longer need several terminals to process and authorize checks, credit and debit cards, and electronic benefits transfer (EBT) transactions, because the Eclipse does it all. The Eclipse terminal is the enabler for the TeleCheck Electronic Check Acceptance (ECA) service, which converts paper checks into electronic transactions and automatically deposits the funds directly into a merchant's account. As an added bonus, the Eclipse has a built-in receipt printer, so no additional equipment is needed.

FEATURES ADVANTAGES
Supports all noncash payment options, including checks, credit and debit cards and EBT transactions Single solution for all payment needs
Built-in inkjet receipt printer Practical, durable and compactly designed to reduce countertop "footprint"
Large, backlit touch-screen display window Allows for a user-friendly interface and exceptional visibility, even in low light
Imaging capabilities
Enables merchants to process checks without identification in most cases
Speeds checkout using risk-assessment capabilities
 Instantly authorizes checks
Converts paper checks into electronic transactions with added precision, reducing the risk of error and fraud.
 Sate-of-the-art check reader
Automatically collects and inputs data from credit cards and driver's licenses, reducing procedural errors
Dual-track magnetic stripe reader
Full reporting capability
Provides easy access to all payment information, including totals and details
Stores up to 300 check transactions and 300 card transactions Greatly reduces closing-frequency requirements

TeleCheck® Check Guarantee
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Increase your customers' payment options
eclipse, telecheck, check guarantee, ECA, electronic check,electronic check acceptance, bad checks,bounce checks,authorizations,guarantee funds,eclipse terminal,ink jet cartridge,scan checks,no bad checksOur flexible program allows us to customize a program to fit your business
eclipse, telecheck, check guarantee, ECA, electronic check,electronic check acceptance, bad checks,bounce checks,authorizations,guarantee funds,eclipse terminal,ink jet cartridge,scan checks,no bad checksOur Merchant Service Department is available 24 hours a day, 7 days a week
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eclipse, telecheck, check guarantee, ECA, electronic check,electronic check acceptance, bad checks,bounce checks,authorizations,guarantee funds,eclipse terminal,ink jet cartridge,scan checks,no bad checksGive your business the security to accept checks from any customer, from anywhere in the U.S. and Canada, while requiring only one form of I.D.

Check Guarantee Services
Electronic Payment Services
As the leader in electronic check commerce, TeleCheck® brings its expertise in information and risk management together with the efficiencies and safety of electronic processing. Whether merchants choose to conduct business at the point-of-sale, over the Internet, by telephone, or through timed/recurring payments, TeleCheck® can process all electronic check transactions. Our services assure the timely and secure deposit of funds into a business's account. We help merchants attract new customers, improve cash flow and increase sales – bringing their business into the future today.

TeleCheck® Electronic Check Acceptance® (ECA®) Service
TeleCheck® brings the power and convenience of electronic check commerce to the point-of-sale with the TeleCheck® Electronic Check Acceptance® (ECA®) Service. This digital process allows merchants to accept checks as quickly, safely and easily as credit cards while improving the cash flow of their business.
Here's how it works. The business authorizes the consumer's check through TeleCheck® using the Eclipse® payment terminal or other ECA-certified point-of-sale terminal. Once the transaction is approved, the clerk gives the check writer a printed receipt for signature. The check writer's signature allows TeleCheck® to electronically present the transaction to the check writer's bank for settlement and that money is then automatically deposited in the business's bank account.
The ECA service makes it safer, faster and easier to accept checks and will make checks a more viable payment option for both businesses and consumers.
  • Improves cash flow
  • Minimizes returned checks, returned check fees and warranty claims
  • Reduces merchant bank fees
  • Streamlines the check acceptance process and reduces paperwork
  • Expedites closing, balancing and settlement

TeleCheck® Check Guarantee Service
TeleCheck® has built the largest national activity and negative databases which are online and continuously updated to provide the most accurate check writer information available from financial institution and merchant locations around the world. The advanced system TeleCheck® has created in conjunction with these databases allows us to predict with unmatched accuracy the probability of a check being good. Check Guarantee service helps businesses accept low-numbered, out-of-town, or out-of-state checks with confidence.
Thanks to recent technological advances in TeleCheck's risk management systems, the Check Guarantee service is now better than ever. TeleCheck automatically warrants the full amount of any check it approves, provided all of TeleCheck's simple requirements have been followed. And, TeleCheck's reimbursement period for paper checks is short. Merchants who utilize the Automated Clearing House (ACH) settlement for monthly billing may be reimbursed as quickly as seven days after TeleCheck® has received the returned check.
TeleCheck stands out from the rest because we offer two ways for merchants to use our guarantee services. The original paper Check Guarantee service and the TeleCheck Electronic Check Acceptance® (ECA®) service, the process that combines the benefits of paper checks with the safety, speed and ease of electronic funds processing.
Here's how it works. The merchant presents a check to TeleCheck who then uses its databases of check writing information and records to authorize the check. Our negative database captures all recent knowledge to alert subscribers of bad check activity as it occurs. Our activity database contains millions of good check-writing consumers and is continuously updated to improve our accuracy rate.
We reduce the risk in accepting checks-making it more secure for businesses.

  • Highest check approval rate in industry
  • Reduces the risk and provides greater security
  • Provides accurate and up-to-date information in seconds
  • Streamlines check acceptance at the point-of-sale

TeleCheck® Check Verification Service
The TeleCheck® Check Verification Service helps merchants separate good check writers from bad ones allowing them to adopt a liberal check acceptance policy that will benefit both the merchants and their customers.
Armed with national databases containing real-time information from more than 306,000 businesses and financial institutions, TeleCheck offers the most accurate check verification service in the industry. These databases provide merchants with continually updated information including bad check activity as it occurs, automated inquiries using the consumer's identification (Driver's License or state ID) as well as checking account data.
Flexible verification options allow merchants to determine what risk level is acceptable for their individual business. These verification systems reduce the likelihood of multiple fraudulent transactions and also help detect fraud in progress. Our advanced services make it possible for merchants to accept more checks, leading to increased sales, higher profits and greater customer satisfaction.
The TeleCheck Check Verification service provides several options with which to tap into our resources. Here's how it works:
The basic Verification service quickly separates good and bad check risks using TeleCheck's negative database. This database comprises more than 51 million bad check records, enabling merchants to make informed, reliable decisions regarding each check their business sees.
The Verification with Risk Management service uses both TeleCheck's checkwriter activity and negative databases along with its risk management system to identify not only bad check writing risks, but also good ones. The risk management service utilizes TeleCheck's risk and predictive-modeling systems to analyze over 30 variables to predict the probability of a check being good. These assessment tools include regression modeling, neural networks, and decision tree analysis.

  • Reduces the risk of fraudulent transactions
  • Enables the adoption of a more liberal check acceptance policy
  • Enables customization of verification services to meet your business needs
  • Permits use of national databases with real-time information

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