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Apply

1. Select which program you feel best meets your business needs, either Easy Collect or Control Collect
2. If you have multiple business locations and wish to have all of them utilize NSF Collect's services, please complete the Mutli-Location form as well as the Easy Collect or Control Collect forms.
3. Merchant completes and signs the Merchant Service Agreement and Bank Release
   Authorization.
4. FAX All completed and signed forms to: (239) 985-0071.
5. Your merchant profile is entered into Agent Web Interface.

The Process

1. NSF Collect receives the required signed forms and approves the account. The
   Bank Release Authorization Form the customer signed is then forwarded to their
   bank (The bank release must be signed and sent to the bank for accounts that NSF
   Collect is to receive the checks from the bank directly for entry).
2. When the above steps are completed the merchant will receive a welcome kit
   containing a welcome letter with their merchant number and our 800 number to
   call for a login and password. They must have their welcome letter at the time of
   this call. This kit also contains a CD with a Merchant Users Guide in an Acrobat
   PDF format.
3. Depending on the program selected by the merchant, either the Merchant or NSF
   Collect completes the task of entering checks. If the checks are entered by the
   merchant, NSF Collect must receive a readable copy of the front and back of the
   check from the merchant before we may process the check.
4. Checks that are entered by the merchant go directly into the system queue for
   submittal. Checks that are entered into the system by NSF Collect have a status of
   Received until the next check submittal date at which point they are released to
   the queue for submittal.
5. A merchant may choose to place any check with a status of Received on Hold.
   This will cause the check to be returned to the merchant without an attempt to
   collect. Only a check with a status of Received may be placed on Hold to be
   returned (The next submittal date and time is posted on the merchants web
   interface).
6. 3 to 4 business days after the check is submitted the first time, it will come back as
   either collected or uncollected. The status of the check is visible to the merchant
   thru their web interface. If the check is collected it will go to the queue to be paid
   (The payout schedule is covered in detail in the Payouts and Commissions section
   of this guide). If the check comes back uncollected it will move to the appropriate
   queue depending on the status code of the check. If the account is closed, the
   check is a stop pay or a status that does not allow us to re-submit the check. The
   check will go to secondary collections, but only if the merchant choose this option
   at sign up. If they did not choose this option, then the check will be returned to the
   merchant.
7. If the check comes back for reason other than account closed, stop pay or a status
   that does not allow us to re-submit the check, the check will move to step 9
   (Checks may only be submitted to the bank for payment 3 times, all checks that
   have been submitted for payment twice go directly to step 9).
8. For the checks that make it to step 9, the check writers account is monitored for up
   to 180 days for funds to become available. If funds become available at anytime
   during this period an immediate request for funds to cover the check is submitted.
   3 to 4 business days after this check is re-submitted it will come back as either
   collected or uncollected (Funds being available at time of submittal does not
   always guarantee collection). The status of the check is visible to the merchant
   thru their web interface throughout the collection process. If the check is collected
   it will go to the queue to be paid. If the check comes back uncollected it will move
   to secondary collections, if the merchant selected this option at sign up. If not the
   check is returned to the merchant.
9. Checks sent to secondary collection can take an additional 180 days to collect.
   Checks in secondary collections are updated in the merchant web interface every
   two weeks. Every means available to collect thru secondary collections are used.
   You must inform your merchant of this before they sign for secondary collections.
   If the check is collected thru secondary collections the fee to the merchant is 25%
   of the face value of the check. After being collected it will go to the queue to be
   paid less the appropriate fee of 25% of the face value of the check. In the rare
   instance the check comes back uncollected it will be returned to the merchant.