Comprehensive Guide to Merchant Services: 

TeleCheck, ACH, E-Check, and Payment Links

In the evolving landscape of digital payments, businesses require secure, flexible, and efficient solutions to meet customer expectations and regulatory standards. CardConnect, a leading payment technology provider, offers a suite of services tailored to modern business needs—including TeleCheck, ACH, E-Check, and Payment Link processing. These services are backed by robust security protocols that ensure safe and compliant transactions.


🧾 TeleCheck Processing

TeleCheck enables merchants to accept checks electronically, reducing the risk of fraud and improving cash flow. It uses real-time risk analytics to verify check authenticity and offers guaranteed funding, minimizing chargebacks. This is especially useful for retail and service-based businesses that still accept checks as a form of payment.


🔁 ACH Processing

ACH (Automated Clearing House) payments allow businesses to accept direct bank transfers for recurring billing, payroll, and B2B transactions. CardConnect’s ACH solution integrates with the CardPointe platform, enabling secure storage of customer banking details and automated transaction scheduling. ACH is a cost-effective alternative to card payments and ideal for high-volume transactions.


💻 E-Check Processing

E-Checks are digital versions of paper checks, processed through CardConnect’s CardPointe Virtual Terminal. This feature allows businesses to tokenize customer check data, receive ACH return notifications, and manage transactions with real-time reporting. E-Checks are particularly beneficial for subscription services and invoice-based businesses.


🔗 Payment Link Feature

CardConnect’s Payment Link feature lets merchants create branded, secure online payment forms. These can be shared via email, embedded on websites, or linked in invoices. Customers can pay using credit/debit cards, digital wallets, or ACH, without needing a developer to set up the system. The forms are hosted by CardConnect, ensuring PCI DSS compliance and fraud protection.


🔐 Advanced Security Features

CardConnect’s security infrastructure is built around its proprietary CardSecure suite, which includes:

✅ Tokenization

Sensitive data such as credit card numbers and bank account details are replaced with irreversible tokens. These tokens are stored in a secure, off-site vault and are useless to hackers, even in the event of a breach. This process removes sensitive data from the merchant’s environment, reducing PCI scope and compliance burden.

✅ Point-to-Point Encryption (P2PE)

CardConnect uses PCI-validated P2PE to encrypt cardholder data at the point of interaction and throughout its lifecycle. This ensures that data is never exposed in transit or storage, protecting against skimming and interception attacks.

✅ PCI DSS Compliance Management

The CardPointe portal provides tools to help merchants manage their PCI compliance status. It simplifies the process of meeting regulatory requirements and offers guidance for maintaining a secure payments environment.

✅ SSL Encryption & Developer API

CardConnect’s Developer API uses SSL encryption to securely transmit transaction data from websites and POS systems. This allows for custom integrations while maintaining high security standards.


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