Optimal Payments
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With our E-check merchant account you can process checks quickly, effectively, and securely with the most advanced check-auditing features in the industry.

Do you want to accept electronic checks on your Web site or by telephone? If your business targets US consumers, almost 40% don't have credit cards so by offering Optimal electronic checks (e-checks) you expand your payment options to capture incremental sales. Distinguish yourself from your competition, expand your target market, and increase sales and profits with e-checks.

With Optimal e-checks, our leading-edge risk management and fraud prevention systems give you more accurate predictions of checks that will clear.

Our monitoring system identifies transactions that need to be reviewed by an experienced fraud investigator.
You have real-time response on the accuracy of the bank account information and a corrective database that will correct bank routing information automatically instead of declining it.
You have access to the largest database of fraudulent check writers in order to minimize loss.
Use nationally licensed collection agencies without having to send any data.

With an Optimal e-check merchant account you can process checks quickly, effectively, and securely with the most advanced check-auditing features in the industry.
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