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CompanyProfile

ISO/MLS contact:
Sam Ackley
Chief Executive Officer
314-282-2357
sackley@dcsdeposits.com
http://acheck21.com

Stepping into the future with ACH

am Ackley, Chief Executive Officer of DCS ability to address those kinds of needs for the salesperson
Holdings Group LLC, the owner of ACHeck21, and the markets that we are in."
believes ISOs and merchant level salespeople
S (MLSs) seeking lower cost alternatives to card Adding to the value proposition is a second sticking
acceptance for their merchants will find the automated point for most clients. "What we also have is the ability
clearing house (ACH) services his company offers to be a to combine all of that into a single workflow," he said.
simple and affordable solution. "As subtle as that sounds, it becomes really big when
you are looking to reduce long-term operating costs by
"I think a big challenge in the future for the industry is maintaining fewer human resources. You don't need a
going to be if the swipe point of sale can remain relevant lot of people to do the work; it is automated in the cloud."
for setting up merchant accounts," Ackley said, noting
that many merchants today question the high fees they're Self-contained, speedy, customizable
paying. "Over the next 10 years, I think you're going to Within its product suite, the ACHeck21 Micro provides
see places that will only take ACH exclusively and won't a self-contained, thin client software solution for remote
allow any payments on Visa or MasterCard." deposit capture that integrates easily with over 100
document and check scanner models. ACHeck21 Micro
He said inflection in the market is creating a vacuum operates at high-speed, processing over 200 documents
for lower-cost alternatives and companies like his are per minute, and merchants can apply distributed capture
positioned to serve that segment. For ACH customers, he for multiple deposit locations.
said his company can set up a closed looped solution for
a merchant that will allow a customer to walk into the With ACHeck21's advanced technology, accuracy is core.
store, check out and have the purchase amount appear on "Using both magnetic read and OCR technology, we
the customer's phone. "Once you hit OK, the money will get an almost 100 percent read rate on the magnetic ink
move from your account to the merchant's account," he character recognition (MICR) line," Ackley said. "We are
said. "That's how simple it is." also able to capture the information right off the front of
Keeping the ACH flow simple the check. We can capture the check writer's name, their
address, city, state, and the ZIP code; just about anything
According to ACHeck21, the company offers its ACH and you want to pull from the face of the check."
Check 21 payment processing solutions in a single, hosted
work flow designed to improve efficiency and reduce He added that the system also verifies captured
the vast complexities of processing ACH, checks and information against other databases, which helps prevent
verifying account information using POS systems. Their mistakes during processing.
product is available for Internet, mobile device, laptop, PC
desktop and scanner applications. ACHeck21's solution is ACHeck21's software is also designed to be customizable
also compliant with all security protocols. to meet the needs of developers who wish to target specific
markets. "If you're a developer and you want to develop
ACHeck21 stands behind two value propositions for its a product in a sandbox you can sign up on our website,
users that make the solution not only easy to integrate download our API, set up your own account, start coding
with legacy systems, but inexpensive to use. "ACH is agile and start processing transactions and build your whole
and can be brought to bear very quickly to complement product for free," Ackley said. "You don't pay anything
existing products users already have for credit card until you move money."
processing," Ackley said. "We bring an agile, flexible
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