Back Office Conversion (BOC) - ACH Payment Processing

As an Electronic Check Alliance Processing Member (e-CAP), we were one of the few processors able to provide the new ACH processing technology Back Office Conversion (BOC) during the pilot period. Read more below, if you would like to know how your business can benefit from our BOC program. For additional information please use our contact page.

Whether you're in Austin, Corpus Christi, Dallas, El Paso, Houston, Rio Grande Valley, San Antonio, or anywhere in the U.S. Texas eCheck has you covered.

What is it?

When customers are paying for merchandise and/or services by check, whether at your location or received by mail, the check is accepted in your usual manner and then later scanned with an imager and electronically deposited. There is no need for an additional signature or additional equipment at the POS. This is a back office function that saves time and money while accelerating your cash flow.

How Does it Work?

Back Office Conversion (BOC) is a new ACH proccesing technology that provides many solutions for merchant data processing and depositing their customer checks. There is no need to cull business checks because our BOC automatically processes business checks as well. Texas eCheck's BOC enables you to accept checks as you currently do, without the need for any additional authorization. At a time that best works for your business, the checks are read by a high-speed scanner capturing all of the necessary information. The data file is built at the same time the checks are converted to an electronic transaction. The transaction is automated all the way through reconciliation. The process is integrated, enabling the data to be imported directly to other applications.

From your accounting department to your people in shipping, one function has provided the data needed in many areas of your operation. The information is available through a variety of reporting options, including online access to every transaction, from the time you enter the check until the time the funds are electronically settled to your account. The actual image of the check itself can be viewed from our secure website. Would you like to see what cashier accepted the check or other information on the check that OCR, CAR and LAR may not accurately capture? Texas eCheck enables you to determine how your check acceptance process works. Do you want to prescreen the check and check writer history first? Do you want returned unpaid checks to automatically go into a collection process that can even provide a new revenue stream for your business? Our BOC ACH payment processing provides a seamless true end-to-end solution for accepting payment by check.

Benefits of BOC

No bank deposit fees
24/7 Internet reporting with the ability to download data directly to your other existing and future applications
Notification of NSF and Closed Account checks within 24 - 48 hours, rather than 7 - 10 days
Real funds within 48 hours
Seamless acceptance and processing of business checks
No additional fees for processing business checks (ask us for details)
No returned check fee - banks often charge $3.00 - $15.00 per returned unpaid check
Reduced handling costs
Make deposits from your office, not the bank window
Improved cash management abilities
Enables you to combine deposits from multiple locations, reducing fees and eliminating multiple banking platforms
Systems are integrated to enable the data to be shared seamlessly throughout your operation

Texas eCheck's BOC is ideal for businesses managing a high volume of checks through multiple locations, such as retailers, property managers, insurance agencies, utility companies, etc. Our BOC service replaces more costly and time-consuming deposit systems.