Payment processing financial risk management services, namely, account verification of check and automated clearing house (ACH) payments at the point of sale (POS), over the internet or other interactive electronic means, or through live or interactive voice response (IVR)

Non-sufficient funds check recovery services; re-submission and processing of checks and ACH debits returned as non-sufficient funds items; moving and processing payments originated paper check, online transactions and telephone payments for clients, customers and industries; and electronic check clearing services, namely, processing paper checks, image replacement documents and automated clearing house return files; transferring image replacement documents electronically for remote deposit; ...