![](https://payasvcs.com/wp-content/uploads/2019/07/people-holding-hands-490x345.jpg)
• Consumer authorizes electronic debit from checking account over the phone
• Transaction information uploads to Paya through a variety of options (virtual terminal, payment gateway, API or batch file)
• Funds electronically debit from consumer checking account and deposit into client account
![](https://payasvcs.com/wp-content/uploads/2019/07/man-talking-on-phone-490x345.jpg)
• Check Verification and Check Guarantee
• Virtual terminal or POS terminal
• Web based user interface or API available and customer information management systems. Virtual terminal supported.
• Supports multiple locations/users, data export for 3rd party accounting/archiving, and many certified 3rd party gateways
![](https://payasvcs.com/wp-content/uploads/2019/08/team-hands-1-490x345.jpg)
• Improved cash flows with expedited payments
• Multiple certified 3rd party gateways supported
• Eliminate banking fees and paper check handling costs
• Reduce bad checks
• Automatic notification and resubmission of NSF items
![](https://payasvcs.com/wp-content/uploads/2019/07/children-in-hallway-490x345.jpg)
• Bill Payment
• Mail Order
• Government/Utilities
• Education and Non-Profits
• Property Management
• Insurance