Zmax Solutions knows that to succeed in this market our products must "fit" your business models and practices (rather than expecting you to conform to ours). For this purpose, Zmax Solutions has gone to great lengths to build flexibility into every aspect of our products.

Any business can BENEFIT from Zmax's SOLUTIONS!

Our solutions provide benefits that typically save merchants 10% to 30% of check processing costs.

Zmax offers a wide range of solutions built upon our proprietary technology:

INDUSTRY SOLUTIONS:

RETAIL SOLUTIONS: (back to top)

Retail is the most obvious market for electronic check conversion due to the immediate cost savings, revenue expansion and increased customer loyalty that can be realized. We understand that all retail is not the same. You have individualized needs that may require one or more solutions depending on how YOU do business. Our comprehensive reporting provides you the information you need in the way you want it; by terminal, store, bank account or entire chain. Zmax has the retail solution you need; please Contact Us to discuss your specific business needs.

MEDICAL SOLUTIONS: (back to top)

Zmax understands that the Medical Industry has special processing needs and requires flexibility in payment processing. We provide you with the flexibility to electronically process checks received in the mail, at the counter and even over the phone. In addition, Zmax's solutions can easily allow you to accept and process advanced debit authorizations, pre-arranged and recurring debits. Zmax has the medical industry solution you need; please Contact Us to discuss your specific business needs.

GROCERY SOLUTIONS: (back to top)

The competitive nature of the grocery industry demands that any solution MUST provide significant cost savings and a rapid ROI. Our flexible solutions, which include stand beside or integration options, will meet your needs and maximize the value of checks! Our comprehensive reporting provides you the information you need in the way YOU want it; by lane, store, bank account or entire chain. Here’s what Jennifer Kenneally, vice president and treasurer of Price Chopper had to say about their experience with electronic check conversion: "the main advantage for us is the reduction in back-office labor . . . another key is speed . . . We don't want to have the flow of money stopped . . . Every check in the chain is settled at the same time."  Zmax has the grocery industry solution you need; please Contact Us to discuss your specific business needs.

NON-PROFIT SOLUTIONS: (back to top)

Electronic Check Conversion (ECC) helps non-profit organizations to be better stewards of their resources. Among the many benefits, ECC reduces expenses, saves banking costs, and reduces the time and effort involved with check processing. In addition, Zmax allows non-profits to easily schedule recurring donations/payments, and allocate donations/payments across multiple fund accounts (even from a single check). Zmax has the solution your non-profit organization needs; please Contact Us to discuss your specific requirements.

C-STORE SOLUTIONS: (back to top)

The convenience store environment is characterized by a high volume of relatively low dollar transactions and special needs in terms of transaction processing speed. There are also additional concerns in the area of fraud deterrence. Zmax's point-of-purchase solutions with check verification will quickly scare away the bad check writers from your stores. Our comprehensive reporting provides you the information you need in the way YOU want it; by terminal, location, bank account or entire chain. Zmax has the C-store solution you need; please Contact Us to discuss your specific business needs.

PROPERTY MANAGEMENT SOLUTIONS: (back to top)

Property managers need flexibility in an Electronic Check Conversion (ECC) solution. Zmax provides the power for you to process paper checks received in person or by mail, or to schedule one-time and recurring automatic debits. Your on-site managers will be happy to learn that with ECC, there are no more trips to the bank, and their paperwork will be reduced. You'll be happy to learn that your money gets to the bank on-time, everytime. Zmax has the property management solution you need; please Contact Us to discuss your specific business needs.

FINANCIAL INSTITUTION SOLUTIONS: (back to top)

Electronic Check Conversion encompasses a wide variety of processes. Frequently, financial institutions are deterred by the costs, and development resources required to bring to market a full line of conversion products. Zmax Solutions can help! Our flexible solutions allow you to outsource only those processes you choose - greatly reducing your development costs and time-to-market. Let Zmax help you with transaction acquisition, consolidation, origination, exception processing and/or image archival. We can even originate your customers’ transactions through our ODFI, if you prefer. Zmax has the financial institution solution you need; please Contact Us to discuss your specific business needs.

REMITTANCE PROCESSING SOLUTIONS: (back to top)

Remittance processing centers need cost-efficient and effective receivables management solutions. Electronic check conversion will help you by providing fewer returns, faster returns and more efficient check processing. Zmax's solutions fully leverage the efficiencies of the electronic payments system. Our flexible solutions minimize exception handling and maximize initial collections. Zmax has the remittance processing solution you need; please Contact Us to discuss your specific business needs.

QUICK SERVICE RESTAURANT SOLUTIONS: (back to top)

Have you quit accepting checks? Let Electronic Check Conversion (ECC) expand your payment options. Are you currently accepting checks? Let ECC improve the process. The Quick Service industry has three primary payment considerations - fraud, speed, and cost. Zmax’s ECC solutions address each of these considerations. Using both local and national verification databases, we can dramatically reduce fraud, and get the bad-check writers out of your restaurants. Accepting checks with the Zmax ECC process is as fast as accepting a credit card. Zmax ECC is cheaper than accepting credit cards or cash according to the Food Marketing Institute (see our Merchant Page for more details). If you’ve stopped accepting checks, consider the fact that by accepting checks, you demonstrate trust in your customers and this trust translates into customer loyalty. Zmax has the QSR solution you need; please Contact Us to discuss your specific business needs.

PAYDAY LOAN SOLUTIONS: (back to top)

Zmax can provide payday loan businesses with flexibility and precision. Electronic transactions always settle on the date specified. Another major benefit of electronic transactions is that most banks continue to post electronic transactions AHEAD of paper transactions. This means you’ll experience fewer returns with Zmax’s electronic solutions. When an electronic transaction does get returned, they return much faster. This gives you the valuable information you need to quickly initiate any additional collection activities or reject future business from customers with unpaid checks.  Zmax has the payday loan solution you need; please Contact Us to discuss your specific business needs.

MEDIA FULFILLMENT SOLUTIONS: (back to top)

Media fulfillment (MOTO) solutions allow you to accept checks through the mail or over the phone - a new / expanded payment option. A number of benefits can be realized through Zmax’s electronic solutions. Providing additional payment options can quickly increase revenue flow. Most banks continue to post electronic transactions AHEAD of paper transactions, which means you experience fewer returned checks. When an electronic transaction does get returned, they return much faster, providing additional options in how you handle returned payments. Zmax has the media fulfillment solution you need; please Contact Us to discuss your specific business needs.

PRODUCT SOLUTIONS:

POINT-OF-PURCHASE (POP): (back to top)

Our POP check conversion products allow you to convert paper checks into electronic transactions right at the cash register. In addition to reducing your bank fees, this process eliminates ALL of the back-end check acceptance labor; saving both time and money. Contact Us to discuss your specific business needs.

MAIL-IN/DROP-OFF (ARC or Lock-Box): (back to top)

Our ARC check conversion products allow you to convert paper checks into electronic transactions at your remittance center.  In addition to reducing your bank fees, this process reduces the number of returned checks by fully leveraging the efficiencies of the electronic payments system. Our flexible solutions minimize exception handling and maximize collections. Contact Us to discuss your specific business needs.

PRE-ARRANGED PAYMENT/DEPOSIT (PPD): (back to top)

Our single-entry PPD products allow you to accept advance authorization to debit (or credit) your customer's bank account at a future point in time - hours, days, or months in the future. Contact Us to discuss your specific business needs.

RECURRING DEBIT (PPD): (back to top)

Our recurring PPD products allow you to accept authorization to debit (or credit) your customer's bank account on a recurring basis. These products are suited for a variety of uses; from monthly billing, installment sales and lay-a-way plans, providing a cost efficient means of receiving your money. Contact Us to discuss your specific business needs.

RE-PRESENTED CHECK (RCK): (back to top)

Our RCK product allows you to electronically collect paper checks, that have been returned for insufficient or uncollected funds, more quickly and more efficiently. Contact Us to discuss your specific business needs.

BUSINESS-TO-BUSINESS (B2B - CCD): (back to top)

Our CCD products allow you to collect/pay, invoices to/from your trading partners. In addition to the cost-saving advantages of electronic payments, you will also benefit from strengthened and expanded relationships with your trading partners. Contact Us to discuss your specific business needs.

RETURN ITEM & FEE PROCESSING (ONLY): (back to top)

If you prefer to handle most of the ECC process on your own, we can still bring your organization added value by handling the painful process of managing returns and the process of electronic fee collection. Contact Us to discuss this option and your specific needs.

ORIGINATION (ONLY) (back to top)

Zmax offers origination only services. By leveraging our processing volumes, we may be able to save you money on origination expenses and give you access to our return processing / image archival systems. Contact Us to discuss this option and your specific needs.

CONSULTING SERVICE SOLUTIONS: (back to top)

Zmax is committed to the growth and success of the Electronic Check Conversion (ECC) market. Let us lend our expertise in all aspects of check processing to develop your own integrated ECC processes. From acquisition to collections we possess the experience and expertise to ensure your success. Zmax has the integrity, expertise and technology you need; please Contact Us to discuss your specific business needs.

OUR TECHNOLOGY:

The Zmax Intelligent Payment Processing System (ZIPPS)

ACQUISITION (back to top)

Recognizing that many industries have unique requirements, ZIPPS offers a variety of “acquisition” applications, each designed to provide industry specific solutions. The purpose of  acquisition applications is to collect the transaction information and deliver that data for processing. These applications exist on various platforms such as, credit card terminals, PCs, internet-based terminals, integrated cash registers and can deliver the data through a variety of channels (online/offline, dial-up, internet, and frame-relay).

CONSOLIDATION (back to top)

Once ZIPPS assures that all transactions are properly formatted and ready for settlement, ZIPPS consolidates the data from all of our customers into a single data store for delivery to the ACH network through our partner banks. Additionally, all image files are archived and stored for any future collection or retrieval needs. Through this process, we gain economies of scale, and are able to provide value to the banks.

ORIGINATION (back to top)

ZIPPS delivers unmatched accuracy, functionality and flexibility to the world of electronic check processing. ZIPPS consists of a proprietary suite of products and services that provide a wide spectrum of Electronic Check Conversion (ECC) solutions. At the heart of ZIPPS is the ability to create accurate ACH transactions and introduce those transactions into the Automated Clearing House network (ACH). The same network system used by Financial Institutions for more than 25 years.

SETTLEMENT (back to top)

ZIPPS provides unparalleled flexibility in the settlement of our customer’s funds. Allowing them to specify various levels of transaction consolidation, combining transactions from multiple terminals (cash registers) and / or business locations. Additionally, customer’s can specify various bank accounts for different types of settlements.

RETURNS (back to top)

Another major function of our processing system is its capacity to manage "returns" (transactions that are returned unpaid or for administrative reasons). While typically less than 2% of ACH transactions are returned, it is essential that any successful ECC processing engine accurately and effectively manage these items. We not only provide flexibility to tailor returned items management, but also proactively reduces the overall number of returned items.

REPORTING (back to top)

ZIPPS contains comprehensive reporting functionality. In payment processing, customers generally cannot “see” what they are buying. The only tangible portion of the product is the reports made available to them. For this reason, ZIPPS includes comprehensive, user-friendly reporting capabilities to make sure that our customers not only have the information they need, but also the information they want. By terminal, by location, by specific bank account(s) or the entire store chain – you’ll have the information, the way you need to see it.

INTEGRATION (back to top)

Leverage our expertise in all aspects of check processing to develop your own integrated ECC processes. Let Zmax help you with transaction acquisition, consolidation, origination, settlement, return processing and/or image archival. We can even originate your customers’ transactions through our ODFI, if you prefer. From acquisition to collections we possess the experience to ensure your success. Zmax has the integrity, expertise and technology you need.

Contact Us today to discuss your check acceptance needs.