Built-in camera capture
Snap the check image, no separate scanner
ACH & Checks
Get paid by check and ACH, right where you already work.
Some customers pay by check or straight from the bank account. EmeraldCheck adds that to your PayNet account and runs it through the gateway, dashboard, and devices you use every day.
eCheck verificationReal time
Check payment$8,740.00
Account•••• 4821
RecommendationAccept
WarrantyActive
Failed items are flagged and resubmitted automatically
One account, every tool
Check and ACH, in every tool you run.
Nothing new to log into. Check acceptance lives inside whichever PayNet tool you already use, matched to how you get paid.
Our gateway, the flagship
EmeraldPay Gateway
Bank payments run in the same dashboard as everything else, with digital ACH sign-up built right into the merchant portal.
ACH debit and credit
One time or recurringChecks by phone
Checks by web
Bank accounts on file
Stored and tokenizedVirtual terminal
Branded invoices
Pay by link includedHosted online checkout
Digital ACH sign-up
Inside the merchant portalEmeraldPay GatewayACH and eCheck
Virtual terminalChecks by phoneChecks by webBank on fileRecurringInvoices and pay by link
Check image capturedAccepted in real time
At the counter
Clover takes the paper check
Snap the check with the Clover device camera and get an answer on the spot, no extra hardware on the counter.
Real-time answer
Accept or decline on the spot
Optional check guarantee
Available on qualifying checks
Deposits to your bank
Converts to electronic, into your existing account
Beyond the counterChecks onlineBy phoneInternet checkRecurring ACH
Alternate gateway
eCheck inside Authorize.net
If your stack is already built on Authorize.net, bank payments come with it.
Virtual terminal
Accept eCheck and ACH payments
Hosted checkout
Plus email invoices, paid online
Recurring bank payments
On the schedule you set
Stored bank profiles
Repeat billing from saved details
Invoice 2481Amount$3,150.00
Pay by eCheck•••• 8842
ScheduleMonthlyActive
Scheduled
For current ePN dealers
The full check toolkit on ePN
If you run eProcessing Network, the full check toolkit is available on the platform, including capture from the field.
Mobile check capture
Photograph the paper check in ePNMobile, no manual entry
Checks by phone
Accept a check on a phone call
Checks by web
Accept a check online
Single and recurring ACH
One-time debits or a repeating schedule
Automatic resubmission
Failed items go back through automatically
Forms and invoices
ACH accepted on hosted payment forms and email invoices
What to expect
How the money actually moves.
Bank payments are not instant, and pretending otherwise is how trust gets broken. Here is the honest picture.
Checks by web
Customer started debits typically fund in 3 to 7 business days.
Checks by phone
Authorized phone checks can fund in as little as 7 business days, deposited to your existing bank account.
If an item fails
You are notified automatically and the item is resubmitted for you, so a hiccup does not mean starting over.
Cover the risk
A bad check does not have to be your problem.
Every bank payment comes with an accept or decline recommendation before you rely on it, and failed items are flagged and resubmitted for you. Add the warranty option for cover against qualifying bad-check losses.
- Accept or decline advice before you rely on the payment
- Automatic notice and resubmission on a failed item
- Optional warranty against qualifying bad-check losses
Straight answers
Check and ACH questions, answered plainly.
Which of my PayNet tools can take a check or ACH?
All of them, each in its own way. The EmeraldPay Gateway runs ACH and eCheck from your dashboard, Clover takes and verifies a check on its devices, Authorize.net accepts eCheck through its virtual terminal and checkout, and eProcessing Network carries checks by phone, by web, and by mobile capture.
Do I need a separate system to accept checks?
No. Check and ACH acceptance lives inside the gateway, dashboard, or devices you already use, so there is nothing new to log into and no second platform to learn.
Can I set up recurring bank payments?
Yes. The EmeraldPay Gateway and eProcessing Network both run recurring ACH debits, and Authorize.net schedules recurring bank payments through its recurring billing, so maintenance plans and payment schedules run on their own.
Can I take a paper check without a trip to the bank?
Yes. Out in the field you can photograph the check from the ePNMobile app, and at the counter the Clover device camera captures the image. Both deposit electronically under Check 21, so there is no branch run and no paper to store.
What happens if a check bounces?
Verification gives you an accept or decline recommendation before you rely on the payment, failed items are flagged and resubmitted automatically, and the optional warranty covers qualifying bad-check losses so a bad check does not come out of your pocket.
How fast do bank payments fund?
Customer started web debits typically fund in 3 to 7 business days, and authorized phone checks can fund in as little as 7 business days, deposited to your existing bank account.
Add check and ACH to your account
Give every customer a clean way to pay you.
Your account manager will set check and ACH acceptance up around the way your jobs pay and the tools you already run. No cost, no obligation.