Merchant Capture
Merchant Capture Frequently Asked Questions (FAQs)
What is Merchant Check Capture? Click here for demo
Merchant Check Capture is a solution that allows you to capture, validate, and transmit your deposits from the comfort of your office. It reads the amount on each check you scan and balances the total. The images, deposit information, and MICR information are then electronically delivered to Eagle Bank over a secure Internet connection. This eliminates the need to physically process a deposit at your bank and may reduce the total time required to clear your checks.
What are the benefits?
• Reduce or eliminate courier/non-courier costs
• Reduce fraud
• Reduce posting errors
• Decrease need to maintain multiple banking relationships
• Reduce time to research checks and deposits
• Reduce document loss
• Make deposits at your convenience
GETTING STARTED
How does Merchant Capture work?
Using a PC, scanner, and an Internet connection, daily checks received at your business can be scanned and sent electronically for deposit to Eagle Bank. Specifically, as checks are received and batched at your business, an operator logs in to Merchant Capture and turns on the scanner. The operator places a deposit slip and the batch of checks into the check scanner feeder and clicks the “Capture Items” button. As the system captures the checks, it creates check images, validates image quality, determines the check amount, verifies the routing/transit number, analyzes the check data to determine possible duplication, and determines if the check is a foreign item. Following the capture of the items, the operator is prompted to key in any checks that were unable to be read. Following the item correction, the batch is then balanced by either rescanning, deleting, or inserting items, rescanning the deposit slip, or by fixing the deposit totals. Once the batch is balanced with the control totals it can be submitted electronically to the bank. Checks you transmit can be stored on your computer for a fixed period of time for research purposes. The check images received at Eagle Bank can be processed electronically, or an Image Replacement Document (IRD) is printed and sent to the paying bank.
INSTALLATION
What are the hardware/software requirements?
Software: Merchant Capture Software
Communications: Broadband Internet access or equivalent
PC: Dell Optiplex GX-280 (Mini Tower) or equivalent
Pentium4-3 GHz Processor
512 MB RAM
40 GB Hard Drive
USB 2.0
Note: PC must be configured to a printer for deposit receipts (PC and printer do not need to be dedicated)
OS: Windows 2000 SP 1 to 4 are certified
Windows XP SP 1 to 2 are certified
How long does a merchant setup take?
A merchant setup at Eagle Bank takes as little as two to five business days. Setup of the scanner and PC, as well as user setup, can occur within several minutes. Once user setup is complete, you can begin capturing checks.
What training is offered?
The software/scanner installation kit includes installation instructions, user documentation, self-paced training, a training guide, technical requirements, a “Read Me First” guide, an operator reference card, a scanner operator training CD, a scanner operator manual, installation and service tips, and a warranty sheet.
How are software updates deployed?
Software updates are deployed over the Internet using Microsoft’s One Click Deployment. Scanner driver updates will also be required but are distributed via Microsoft Installer packages that can be delivered via the Internet, e-mail, or other media.
SYSTEM FUNCTIONALITY
Are the transmissions of batches secure?
All transmissions are secured using SSL encryption.
Does the application scan in front/back of each check image?
Yes. With a single pass through the scanner, the front and back of the check are image captured at the same time CAR/LAR, DREAM, IQA/IQU, Duplicate Detection, and MICR processes are completed, information is read, and routing transit numbers are validated.
Does the application perform realtime R&T check digit validation?
Yes. The application only allows valid U.S. transit routing numbers to be captured, as foreign transit routing numbers and non-valid U.S. transit routing numbers are rejected immediately by the application. For invalid numbers, users are notified that the items should be removed because they cannot be included with the deposit.
Does the application allow the user to enter any additional user-defined fields as complementary transaction information?
Yes. The system allows for user-defined fields with varying lengths at either the Deposit or Item level. This functionality will require detailed analysis for setup and configuration.
Are there different levels of user access available?
Users have access to perform different functions within the system based on the User Profile. For example, some users may be able to capture and correct items, but not actually submit the deposit to Eagle Bank. Capture Items, Balance Deposit, Reports, Change Account Descriptions, Research Date, and System Administration are just a few of the examples of privileges that can be granted to individual users
Does the application read and interpret check amounts with ICR/confidence-level criteria, and prompt the user to enter check amounts for items not within specified confidence levels?
The application utilizes CAR/LAR technology to attempt to read the amounts off checks. If the amounts can not be read, the items are sent to a queue that the user is prompted to key.
Does the application generate a batch receipt by e-mail which contains all transactions within one batch of work and the associated amounts of each check?
Utilizing the Thin Client, a batch receipt or deposit recap report will be available via the Internet. Utilizing the Smart Client, a batch receipt or deposit recap is available locally at the Merchant PC and via the Internet. A notification e-mail will be sent to the merchant customer that will contain basic information about the deposit, total number of items, total amount of the deposit, and a masked account number. The specific check items are not included in the e-mail for security purposes.
SCANNERS
What types of scanners can I use?
Several different models of scanners are made available based on merchant needs/check volume. The following list is a sample of the scanners that are available from Unysis:
MyVisionX – 30 DPM – 30 Doc Input with Inkjet
MyVisionX – 30 DPM – 100 Doc Input with Inkjet
MyVisionX – 60 DPM – 30 Doc Input with Inkjet
MyVisionX – 60 DPM – 100 Doc Input with Inkjet
MyVisionX – 90 DPM – 100 Doc Input with Inkjet
What initial warranty is included with the scanner?
Depot repair service (defined below) is included with the scanner for the first 12 months. However, through Eagle Bank Merchant Capture, customers will be provided a one year Advance Exchange (defined below) warranty with each scanner.
If the scanner is damaged in shipping or fails within the first 30 days following installation, customers should contact Unisys directly for a replacement.
These are the two levels of service offered for maintenance of the scanner:
1) Depot Repair (Mail-In Service) – This service is available to clients for products enrolled under Depot Repair. Failed units may be shipped, at the client's expense, to a Unisys designated location where they will be repaired or exchanged within seven business days, and return shipped, at Unisys’ expense, to the client.
2) Advanced Exchange Service – This service is available on selected products enrolled under Advanced Exchange during the Principle Period of Maintenance (PPM). If the client notifies Unisys of a failed unit no later than four hours prior to the end of the PPM, Unisys will ship an exchange unit to the client using a next day delivery service. If client notification of a failed unit occurs less than four hours prior to the end of a PPM, Unisys will ship an exchange unit to the client on the following PPM using a next day delivery service. Upon receipt, the client will install the exchanged unit and ship the failed unit (prepaid) to a Unisys designated location within 14 days, or the client is billed for the price of the exchange unit. PPM is defined as Monday through Friday, except Unisys holidays, and from 8 a.m. to 5 p.m. (often called 5x9x4 as in 5 days per week, 9 hours a day, with 4 hour response time).
Are extended warranties available?
Yes. Extended warranties can be purchased for an additional fee based on desired term of coverage. Customers should contact Eagle Bank for extensions to the original warranty.
SUPPORT
What are the hours of support?
Eagle Bank will provide support during the hours of 8:30 a.m (EST) to 5:00 p.m. (EST), Monday through Friday, excluding Federal Holidays. The phone number to call for support issues is 1-800-530-1182.
What type of support is provided?
Eagle Bank will work with the customer to resolve hardware and software issues. Typical software issues will be resolved within the first several hours following the issue being reported, with many issues being resolved during the first contact.
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