We consider that the electronic payment solutions offered by CHEXpedite as effective E-commerce (electronic commerce) management tools that will strengthen a company's cash and treasury system. Bayberry Associates has the proprietary right to offer companies the complete line of CHEXpedite services. An analysis of your business will allow us to determine which ones will help you by improving and smoothing out cash flow and increasing productivity while reducing overhead expenses. A brief description of each CHEXpedite service follows:

• Electronic Check Recovery -- Collects bounced checks electronically. This is a totally free service that saves time and money, while increasing collection percentage and cash flow. Collecting out-of-town checks is no longer a hastle.
  
  
• Automated Receipts (Payments from Customers) -- Insures that all monthly payments to you are received on time. Your billing and collection costs and the time involved are reduced considerably giving you the time to properly manage your business. These payments are converted to cash in two banking days no more where your customers bank in the United States or its territories.
  
  
• Electronic Check Conversion -- Paper checks are processed like credit cards and converted to an electronic item. Processing is faster and cheaper.
  
  
• Online Electronic Checks -- Allows companies to easily accept and process electronic check payments directly from their Web sites. This is an important consideration since while 150 million Americans have checking accounts, less than 50% either do not have a credit card or are maxed-out on the ones that they have. This service will increase the number of orders and eliminate "the check is in the mail" dilemma.
  
  
• Electronic Phone Checks -- Allows companies to easily accept and process electronic check payments over the telephone. As noted under the Online Electronic Checks section, this is an important consideration since while 150 million Americans have checking accounts, less than 50% either do not have a credit card or are maxed-out on the ones that they have. This service will increase the number of orders.
  
  
• Check Guarantee -- Offers an insurance policy that "guarantees" that a business will get paid for all their customer's checks. While the Electronic Check Recovery service is far superior (it is more cost effective), it is available for those companies who insist on buying insurance.
  
  
• Merchant Card Services -- Makes it easy and affordable for businesses to accept credit and debit cards. This service is extremely flexible as cards can be processed at point of sale, over the telephone, via fax or via the Internet.
  
  
• E-Commerce Solutions (Online Shopping Carts) -- Builds into any Web site the ability to take orders online. The shopping cart will accept the use of credit cards and/or electronic checks. It includes a full 128-bit Secure Socket Layer(SSL) encryption free of charge. Also, the contents can be easily changed by your company without having to go back to your Web designer.
  
  
• Web Site Design and Hosting -- Provides a low cost, high quality Web presence for companies large or small. This service can be stand-a-lone or include an Online Shopping Cart

For more detailed descriptions, please  contact us..