The Check21.com Payment Gateway allows clients to send check images and corresponding data, which is then translated to a Check 21 (x9.37) file and transmitted to the client’s financial institution for deposit.

The Check21.com Payment Gateway allows clients to debit their customers using the Automated Clearing House (ACH).

The Check21.com Payment Gateway allows clients to credit their customers or vendors using the Automated Clearing House (ACH).

The Check21.com Payment Gateway supports the following recurring (i.e., installments) methods: monthly, quarterly, bi-annually, annually, by day of the month, and by the number of days.

Check21.com offers account validation and check writing history verification.

Check21.com will parse check or ACH return files provided by the client’s financial institution using the Check21.com Payment Gateway, which provides clients with the ability to reconcile check and ACH returns via API or by accessing the user interface.

The Check21.com Payment Gateway is bank agnostic and thus integrates with any financial institution which supports ACH or Check 21 file transmissions.

As all payments are submitted to a client’s financial institution directly, each deposit or credit is settled either on the day of transmission or the following business day depending on the relationship between the client and its financial institution.

Clients can transmit transactions to the Check21.com Payment Gateway by utilizing the Virtual Terminal, uploading a batch through the web portal, or by using the Check21.com Payment Gateway Restful API.