The average merchant doesn't have the time or the desire to staff an office and learn a complicated check collection software system, regardless of how good it is. 

But they don't want their customers to be automatically referred to a check collection agency either, as that can damage the relationship that exists between company and consumer. 

Check Chase Online is an Electronic Check Collection solution offered by Check Assist, a leader in electronic check services. Check Assist's electronic check collection services are used by banks, utility companies, collection agencies, RCK processing companies, and retail outlets throughout the US. Our broad footprint in this market provides us with a unique knowledge of the ever changing needs of the industry, and our product offerings had evolved over the years to address those needs.

The current landscape requires a solution that fits into the space that exists after an item has been returned NSF and before the NSF item is sent to a collection agency... a space we refer to as "pre-collections." It's a time where the low hanging fruit can be picked and it is in this pre-collection space where Check Chase Online was designed to operate.

In the pre-collection environment, Check Chase Online will separate the returns that are eligible for electronic check collection (RCK) from those that are not. The software will then electronically represent the eligible returns through the ACH network and forward only the ineligible items to secondary collections.