TeleCheck Electronic Check Acceptance® (ECA®) Service

The Merchant Account Guru - TeleCheck - ProductsReduce check-handling time and costs, streamline back-office processes, minimize errors, speed funding and offer customers greater security.

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The TeleCheck Electronic Check Acceptance® Service

Customers want payment options, with many wishing to write checks for their purchases. However, paper checks can be a cost burden, because they must be verified for authenticity, reconciled and physically taken to the bank where fees are assessed for processing. In addition, the merchant’s business is exposed to the risk of fraud and returned checks.

First Data Advantages

The TeleCheck Electronic Check Acceptance® (ECA®) service, one of the industry’s most sophisticated check verification systems, converts checks into electronic transactions. It screens each check against information from hundreds of thousands of businesses and financial institutions, instantly providing you with a decision on whether or not you should accept it.

Because this service minimizes the risks associated with check acceptance, you gain the confidence to accept more checks – even low-numbered, out-of-town and out-of-state checks. At the same time, you reduce bank fees and processing costs while improving cash flow. And with TeleCheck ECA, you return the check to your customers, helping to protect their personal information.

Eliminating Bad-Check Losses

If you opt for the TeleCheck ECA warranty service, you will be enabling one of the industry’s most effective check-fraud protection measures. Once TeleCheck has authenticated the validity of a check, the responsibility is transferred from your business to ours. Any returned checks we have approved become our liability, relieving you of not only loss, but also the hassle of trying to collect.

When a customer hands you a paper check, TeleCheck uses leading risk assessment technology to evaluate its validity, comparing it with negative and activity databases to identify check writers that have outstanding bad checks or a history of irresponsible checking account handling. If the check meets the verification requirements, the check is converted into an electronic transaction using your point-of-sale equipment. The transaction is processed through the Automated Clearing House (ACH) network, and funds are deposited directly into your bank account, generally in two business days.

For merchants who have opted for the TeleCheck warranty service, any checks we have approved that are returned become our liability, and we manage the entire collections process and absorb any losses.

Help Your Business

  • Accept more checks with minimal risk
  • Make fewer trips to the bank
  • Reduce bank fees and processing costs
  • Improve cash flow
  • Streamline back-office operations
  • Reduce the risk of lost, stolen or damaged checks
  • Protect your customers’ personal information
  • Minimize collections operations
  • Limit your liability for fraudulent and returned checks (optional warranty service)
  • Point-of-sale check conversion
  • Faster funding and simpler reconciliation
  • Access to extensive check-writer negative and activity databases
  • Liability protection for fraudulent and returned checks (optional warranty service)



Pricing varies based on your Merchant Classification Code (MCC).  Please call us for more details.