Overview:
E-ValuCheck is a patent pending paper check payment option for Express Scan consumers to use when making retail purchases. This paper check option will allow the Express Scan consumer to "Pay by e-ValuCheck for Immediate Check Out."

E-ValuCheck provides the Express Scan consumer with the option to pay by check without actually writing a check. E-ValuCheck is not an ACH based transaction as are most check truncation or conversion systems. Consumers don't understand, like or want to use ACH transactions, but prefer paper checks for purchases, and the benefits to the merchant for a paper check are numerous.

The processing of the e-ValuCheck paper checks is handled completely by the merchant's bank. There is no wait-time for the next customer and no store associate needs to be involved.

How Express Scan Works:
Consumer scans their Loyalty Card, which is tied to their checking account and signature is "on file". All of this information was collected at time of Loyalty Card / Express Scan registration,
Consumer selects payment option as "e-Check for Express Check Out" on the Express Scan hand held device (the check can be branded by the store chain as the "ABC Merchant Check"),
Identification is confirmed with Loyalty Card number and pin, using the standard methods implemented by the merchant for a transaction or via products offered by e-ValuCheck partners.
Customer leaves knowing a cancelled check will arrive in his or her monthly bank statement
Merchant has access to online real time reporting capabilities, which can be downloaded and integrated into their payments processing system.

e-ValuCheck and Express Scan Benefits for Grocery Store