For US Payments!

Our eCheck and ACH solutions are for US Payments only and have these requirements:

US Registered Company

We only process payments for Businesses Registered in the United States

US Bank Accounts

Our payment mechanism will deposit your funds into your US Bank Account - we do not transfer funds overseas.

Accept Payments from US Customers from US Bank Accounts

Our fraud prevention solutions require that the payments we process come from US Customers drawn on US Bank Accounts.

Merchant Services

Low Rates

No Reserve or security required

Extremely Fast approval

NO Chargebacks

Fast settlement times (0-1 days)

Access to a larger online customer base

Use your existing bank relationship

Safe, secure and easy to use

Business Types Rates

Adult 4%

Travel 2.25%

E Commerce 1%

Health 1.1%

High Risk unclassified 5%

Financial Services 2%

MOTO 2%

Digital web hosting etc 2%

Online dating social networking 2%

Timeshare 5%

About 24-p

Innovative Payment Solutions

When you write out a check tomorrow, chances are you will never see that check again. That’s because your bank may never get the actual check you wrote. Instead of your original check, you may see what’s called a substitute check, that is, a copy of your original check.

In 2004 the U.S. government passed a law that brought check payment methods into the 21st century. Known as Check 21, this payment standard was designed to address the logistical issues and clearing times associated with the daily transportation of physical checks between banks. The sheer number of checks being transported on a daily basis was growing exponentially creating a system that was no longer efficient. Check 21 is viewed as a way to make check processing easier and less expensive for the financial industry.

Building on the Check 21 standard, 24-p has developed online technologies to bring you a significant step closer to a near perfect payment system. 24-p' years of experience in the Payment Industry coupled with our use of an exclusive Check-21 technology, not available elsewhere, delivers the perfect solution combining a payment method that has stood the test of time with the emerging technologies of the 21st century.

Some of the many benefits of 24-p...

Innovative Payment Solutions

1

Download your transactions into your personal or corporate financial software.
2

The low cost of 24-p makes it pay for itself quickly.
3

24-p full audit trail tells you exactly what was paid, when it was paid and the notes section against each payment ensures that you have full accountability.
4

Schedule one time or recurring payments in advance.
5

Payments made using this system, only clear from an account when the check produced is deposited into the relevant bank and not before unlike other check products, credit or debit cards.
6

24-p does NOT disclose your personal financial data to any party. Your privacy is assured with us.
7

No Minimum/Maximum Transaction Amounts*

* Maximum transaction amounts may be subject to authorization in order to ensure the security of user against fraudulent transactions, and to protect users from suffering unnecessary loss.
8

No Monthly or Annual fees.
9

24-p works with all domestic US banks. No matter where in the USA you bank, 24-p is right for you.

Who do we work with?

Below is list of companies with whom we work

Electronic Clearing House

www.echo-inc.com

Electronic Clearing House, Inc. (ECHO) operates the National Check Network commonly known as the negative check writer's database. ECHO is an Intuit' company.
Sage Payment Solutions EFT

www.sageeft.com

Sage Payment Solutions EFT provides merchants with solutions that increase cash flow, payment processing efficiencies and customer loyalty.
• Check Processing
• ACH Processing
• Gift & Loyalty Card
Programs
Rosetta Technologies

www.rosettatechnologies.com

Rosetta Technologies is a revolutionary team of customers, employees, vendors, and partners creating and delivering innovative MICR print technology to the market.
Experian

www.experian.com

Experian is a global leader in providing information, analytical and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. 24-p utilizes Authentication Services provided through Experian's vast consumer credit database.

FAQ

Finding Answers

1

Payment Times

How Long does it take for payment to reach the payee?

24-p Checks are mailed through the US postal service so allow at least a day for this. Otherwise, payments are despatched on the day that you asked for the payment to be sent.
2

Sending Payments

Who can accept a 24-p Payment?

You can make payment to everyone that you currently write a check to. 24-p is acknowledged by all the banks in the USA.
3

System Requirements

Do I need any special bank accounts to create a 24-p Account?

No, 24-p is acknowledged by all the banks in the US. You can write checks from any of your accounts simply by declaring the bank account details into your profile. If you have more than one bank account, then you can manage your finances effectively by making payments directly from the bank account that you select.
4

Costs to Businesses

I want to use 24-p for business use. What will the system cost?

24-p does not have any weekly, monthly or annual membership or subscription costs. For every check that we send on your behalf, we will charge you between $1.00 and $1.25, regardless of the check value that you write. The large proportion of this charge is the mailing cost and security checks.

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