MERCHANT

Mobile Merchant pairs the benefits of  Merchant Capture with the convenience of CFS’s Mobile Capture. Your business customer simply downloads our application, ePic Check, our contract free version or uses a branded custom app with your financial institution name onto their Android or Apple mobile device.  The customer will then establish a session by using our dual authentication process.  

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Once logged in, the customer will be taken to the application’s main screen that will display your branded landing page.  Here they will have the option to make a deposit or view previous deposits. Once they begin the process of making a new deposit, the customer will be prompted through the necessary steps of taking pictures of the front and back of the check(s) as well as verifying the amount on the check(s). They then submit the deposit and that’s it!! Mitek module is already incorporated into Mobile Merchant, which provides the capability of ICR (Intelligent Character Recognition) with CAR/LAR (Courtesy Amount Recognition/Legal Amount Recognition) to read the amount on the check, read the MICR code line information and perform validity verification on the iPhone/Android smart phones. Mobile Merchant then uses secure FTP (FTPS/SFTP) communications to send the completed deposit information to a back-office system for final verification and processing. 

The customer will then receive an email verification that their deposit has been received.  An image of the submitted check (MICR redacted for added security) may also be enabled for customer receipt of deposit

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Once the deposit is sent, the back-office process begins. The work flows into the  Merchant software.  All of the benefits and features of the Merchant software, including limit review and reporting on merchant behavior are applied to these Mobile Merchant deposits.