XPress FAQs

Frequently asked questions and the answers.
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XPressProcessing.com uses a technology to utilize the current US check clearing network to debit funds from consumer checking accounts.

XPressProcessing.com system will verify account data same day. No more waiting for nighttime batches a quantity or number of transactions at one time or taken together. And 72-hour wait times to verify a transaction.

By using the check clearing infrastructure XPressProcessing.com merchants are limited to a maximum 60-day dispute window for payments. 8 US states offer this and the remaining 42 states only have 30 days to dispute payments.

XPressProcessing.com offers three simple ways to post transactions either through the virtual terminal (with the virtual terminal, you can manually input your customer orders and setup Re-occurring Payments). via the Application Programming Interface or API. The API is designed for ecommerce businesses. So you can integrate your existing payment system directly with our gateway, ultimately saving you time and money. Our easy Integration allows merchants of all sizes to easily connect to XPressProcessing.com Payment Gateway. And finally the payment link interface (perfect for generating online invoices).

XPressProcessing.com doesn’t believe in outsourcing our business solution.

Everything at XPressProcessing.com is 100% in-house. This is why we can offer the lowest rates in the industry with per item fees for merchants. We do daily pay outs to weekly settlements depending on your business model.

XPressProcessing.com also offers an global settlement system. Even if you bank in Germany we can settle funds either the same or next day to most banks.

XPressProcessing.com is the only Alternative Processing Solution!
To view more information on the company visit XPressProcessing.com or email [email protected] for a competitive quote.

Getting started is easy! Simply submit the online application form and a Service Representative will contact you to move forward.

XPressProcessing.com begins processing your application the moment it is received. You should receive a call from your Service Representative within 24 hours, and in most cases you can be processing payments approximately within about three business days.

The beauty of XPressProcessing.com is that it provides your staff with an easy-to-use, easy-to-implement and easy-to-maintain system that streamlines all of your payment processing activities. Our system is intuitive along with the auto-recurring billing feature that enables and allows the entire accounts receivable process can be automated. We provide training to your entire staff, for as long as necessary at no additional charge, to make certain that they get a full understanding of how to use XPressProcessing.com.

XPressProcessing.com enables your business to accept payments via e-checks, and direct-debit. A form of payment made via the internet that is designed to perform the same function as a conventional paper check. Because the check is in an electronic format, it can be processed in fewer steps and has more security features than a standard paper check. Security features provided by electronic checks include authentication, public key cryptography, digital signatures and encryption, among others. Also referred to as an “echeck”. Electronic checks have been developed in response to the transactions that have arisen in the world of electronic commerce. Electronic checks can be used to make a payment for any transaction that a paper check can cover and are governed by the same laws that apply to paper checks. This is the first form of internet-based payment that the U.S. Treasury uses for making large online payments. Paper checks can be processed electronically so you’ll never have to go to the bank again. The auto-recurring billing feature enables you to automate your entire billing and collections process by charging your customers (via e-check or direct-debit) on a set schedule and emailing a receipt. Additionally, you can accept payments by e-check over the phone or via fax. You can even create an online payment gateway so that your customers can pay bills online or purchase directly from your website.

For electronic check or direct-debit transactions the money is transferred directly from their bank account to your bank account.

XPressProcessing.com notifies you of every transaction via email. XPressProcessing.com Account Manager also provides you with an easy to read summary of all transactions processed and their respective status. Additionally, you can view a payment history for each of your customers within XPressProcessing.com.

Funds are typically deposited into your account within two business days.

XPressProcessing.com merchants are restricted to a maximum sixty day dispute window for payments using the check clearing infrastructure. Eight US States offer the sixty day dispute window and the remaining forty-two states only have thirty days to dispute payments. Instead of going to your bank and paying a fee to dispute your claim. Click on the dispute menu below and allow us to help you solve any questions and/ or concerns you may have. Once your dispute is resolved you have saved a trip to the bank and your money using the no worries solution at XPressProcessing.com.

Electronic check processing means that you can convert a paper check received from a customer into an electronic transfer that takes funds from your customer’s account and places them into your account. (You may have seen transactions of this type on your checking statement.) This transfer takes place via the Federal Reserve Bank’s Automated Clearing House (ACH) system. It is a faster, less-expensive way to get your money.

Auto-recurring billing is a process by which you initiate payments from your customers on a regular schedule. This process not only significantly reduces the time and money you spend on billing and collections, it also provides a very convenient way for your customers to pay you on time, every time. The process is easy and all you need to get started is XPressProcessing.com account. You must first get written permission from your customers to start an auto-recurring billing program. We provide you with all the materials you need to do this. You then upload your customer’s payment information only once, eliminating data entry errors and payments are retrieved and processed at regular intervals moving forward. The entire process is customizable. For example, you can choose a monthly bill date, and create a custom receipt. You can even provide your clients access to update their preferences and billing details online.

With auto recurring billing you get your money on-time, every time. The resulting normalization of cash flow can have a significant positive impact on the way you manage your business. You also eliminate the time and money associated with printing and mailing paper invoices. In fact, the entire accounts receivable process can be fully automated–you set it, forget it, and collect your money.

Auto-recurring billing makes doing business with you simple. Customers love auto-recurring billing because it enables them to pay bills automatically without the hassle of receiving invoices, mailing checks or finding the time to deliver payments in person. It is particularly attractive for regular charges of the same amount, such as daycare fees, rental fees, cable service, maid service and many others. Auto-recurring billing also provides significant flexibility for your customers, they can pay you via echeck or direct-debit from a checking account. They can even choose the day of the month they would like to pay. And they are certain that they will not miss a payment, even if they are ill or out of town. It is a win-win for you and your customers!

YES! The XPressProcessing.com Online Payment Gateway will enable your customers to initiate an electronic check transaction directly from your website or from the gateway page XPressProcessing.com hosts for you.

A payment gateway authorizes transactions, securely encrypts them and submits them for processing. In the case of a direct-debit or electronic echeck transaction, a funds request is sent to the payers bank and if sufficient funds are available, the funds are deposited into the payee’s bank account.

XPressProcessing.com takes security very seriously. Our security is our business. Our platform uses the most powerful security and encryption tools that exist in the marketplace. The processing website is secured and encrypted using 1024-bit Thawte Digital Certificate The Gateway uses a 1024-bit Verisign Digital Certificate, but accommodates the majority of browsers at 128-bit encryption.