What are Centralized Returns?


Centralized Returns is a system where all returned items are sent directly to our bank. Since the returned check is not sent to your bank then you are not charged the return charge by your bank. Typically merchants are charged any where from $3.00 to as much as $20.00 or more per returned item. Our charge can be as low as $2.00 per item. The big benefit not including the cost savings is we will have the checks in our collection system much faster than if it has to go back to your bank and then to us by US mail.


The cost savings and turn around time getting the funds back into your bank can be phenomenal using centralized returns. Depending on the state you are in and/or the volume of checks you receive, the low return charge can even be refunded with the collection of the check.


Compare of what you are being charged now and how much you can save. Typically we can have the check in our system in three to five days with centralized returns instead of ten days to two weeks without centralized returns.