OVERVIEW

Merchant capture is the next step in the evolution of image-based check processing, which allows for commercial customers to electronically capture and remotely transmit items from their institution to yours. Beginning with the Check Clearing for the 21st Century Act (Check 21), financial institutions started moving the capture of deposits farther and farther away from the back office. Now, with ActiveView™ Merchant Capture, your customers have the convenience of error-free balanced deposits from their place of business. Once complete, the deposits and images are transmitted to your back office for processing and clearing.

ActiveView Merchant Capture provides your financial institution with:

• In-house or online deployment
• Merchants deposit items from their place of business
• Transmission of images to your back office for processing and clearing

Merchant capture provides an exciting new solution for your customers, while helping you grow and retain those deposits. By processing deposits from their places of business, your customers with regional and national locations can consolidate their banking relationship. The consolidation of these relationships can mean significant savings in account maintenance and transaction fees for them. As your financial institution looks to grow, ActiveView Merchant Capture provides a whole new means of new client acquisition. The solution allows your financial institution to easily grow beyond traditional geographic markets, which means new business without the overhead of new branches. ActiveView Merchant Capture also allows you to extend cut-off times for existing clients, while their need to courier items is eliminated, ultimately saving them time and money.

Your customers will appreciate added benefits, including:

• Faster funds availability 
• New market opportunities 
• Improved competitive posture 
• Strengthened customer relationships 
• Added fee income opportunities 
• Reduction in items processed

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