img-eCheck Processing Version 2.0

eCheck Processing Version 2.0

After years of tireless work, technology upgrades and automation within the US banking system NCMS is pleased to offer the next generation eCheck Processing Gateway. We have taken the benefits of ACH, Wire and check processing to bring you the first eCheck processing system that provides SAME DAY FUNDING of SIGNED eChecks that works with your current business account.

"NCMS made getting our first merchant account set up a breeze - at very competitive rates. We now process thousands of one-time and recurring ACH & Credit Card payments through our site per month and are thrilled with their service. We highly recommend the NCMS team."
James Dickey – Chief Operating Officer, IMGA
  • Highlights

img-SAME DAY deposit of eChecks

SAME DAY deposit of eChecks

If processed by our daily cutoff time you will receive funds on that day. If you process items after the cutoff you will receive you funds next day.

img-Recurring eCheck Processing

Recurring eCheck Processing

Automated, recurring eCheck processing function is simple and available for all merchant types.

img-All Merchant Types Accepted

All Merchant Types Accepted

We accept 98% of all merchant as long as you have a bank account in the U.S. Federal Reserve system.

img-Cutting Edge Signature Capture Technology

Cutting Edge Signature Capture Technology

With our Signature Gleaning function, you can strip your customers actual signature off an authorization form or upload a signature image that will be placed on every eCheck image we create for that customer.

img-Real Time Check Verification and Funds Availability

Real Time Check Verification and Funds Availability

Real time check verification status is available along with the ability to verify current available funds in that specific account.

img-No Reserve Requirement

No Reserve Requirement

Unlike ACH processing you will not be required to put up cash reserves to guarantee your account against losses.

img-Multiple Methods to Process eChecks

Multiple Methods to Process eChecks

Process with our Virtual Terminal, Online through your website via our API or with a simple payment link or with our customer invoicing system.

img-Quick Approval

Quick Approval

Be approved and up and running in as little as 72 hours.

img-Email Notifications

Email Notifications

When payments are made online customers receive an email acknowledging the payment was made. Finally another email, which includes a image of the check that was processed is sent to your customer.


Not all merchants are the same and because of this it's impossible to accurately quote pricing without first communicating with you.  To better serve you please call NCMS for a thorough analysis of your business needs.